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$14,728
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$466/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$446/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,674
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$559/mo
Today · 4.125%
HK$18,782
baseline
▲ 0.50% · 4.625%
HK$19,925
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,564/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,662
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,189
−HK$535/mo
Today · 4.125%
HK$20,724
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,448/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,619
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$651/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$624/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$838/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$802/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,893 · 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).