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$14,727
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$465/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,302/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$445/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$911/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,673
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$558/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,924
+HK$1,143/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$535/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,093/mo
Deposit HK$2.58M · loan HK$3.88M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,618
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,260
−HK$651/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,245
+HK$1,334/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,938
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$624/mo
Today · 4.125%
HK$24,177
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,275/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,354/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$838/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,714/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,282
−HK$803/mo
Today · 4.125%
HK$31,085
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,638/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,170/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$180,870 · 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).