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$14,762
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$467/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$447/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$560/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,236
−HK$536/mo
Today · 4.125%
HK$20,772
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,544/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,310
−HK$653/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$626/mo
Today · 4.125%
HK$24,234
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,468/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$840/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,956
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,560
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$805/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,642/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,380 · 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).