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$14,777
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$561/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$536/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$653/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$627/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$841/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$805/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$32,832
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,020 · 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).