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$14,712
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$465/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,367
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$445/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$909/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,502/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,654
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$558/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,903
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,167
−HK$534/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,091/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$651/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,913
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$623/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,273/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$837/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,712/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,460
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$802/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,637/mo
Deposit HK$645K · loan HK$5.81M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$180,184 · 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).