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$927/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$448/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,733
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$561/mo
Today · 4.125%
HK$18,845
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,690/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$537/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$654/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$627/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$841/mo
Today · 4.125%
HK$28,267
baseline
▲ 0.50% · 4.625%
HK$29,987
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,534/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,385
−HK$805/mo
Today · 4.125%
HK$31,190
baseline
▲ 0.50% · 4.625%
HK$32,834
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,380/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,047 · 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).