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$14,745
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$466/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$446/mo
Today · 4.125%
HK$17,290
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,695
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$559/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,144/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$536/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,093/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,644
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$652/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,335/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$625/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$839/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,716/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$804/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,640/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$828K (deposit + AVD stamp duty HK$181,658 · 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).