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$14,715
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$465/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$951/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$446/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,658
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$558/mo
Today · 4.125%
HK$18,765
baseline
▲ 0.50% · 4.625%
HK$19,907
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,530/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,171
−HK$535/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,797
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$651/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,918
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$624/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$837/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,713/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$801/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,320 · 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).