The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,731
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$466/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,310/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,388
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$446/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,184
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,677
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$559/mo
Today · 4.125%
HK$18,786
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,572/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,666
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$535/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$652/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,943
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$624/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$838/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,499
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$802/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,028 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).