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$14,783
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$468/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$447/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$561/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$537/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$654/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,339/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$627/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,547
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,609
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$841/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,998
+HK$1,721/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,602
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$805/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,645/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,288 · 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).