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$14,730
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$466/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$953/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$446/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,676
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$559/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$535/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,820
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$652/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,333/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,942
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$624/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,456
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$838/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,715/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$803/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,639/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,993 · 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).