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$14,735
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$465/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$446/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,682
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$559/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$1,144/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,671
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$535/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$652/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$624/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,465
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$838/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,715/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$802/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,640/mo
Deposit HK$646K · loan HK$5.82M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$181,213 · 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).