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$14,743
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$466/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,402
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$446/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,692
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,242
−HK$559/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,682
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$536/mo
Today · 4.125%
HK$20,746
baseline
▲ 0.50% · 4.625%
HK$21,839
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,492/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,641
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,283
−HK$652/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,270
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,963
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,578
−HK$625/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,479
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,538
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$838/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$803/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,567 · 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).