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$14,770
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$467/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$447/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$560/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$537/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,566/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$654/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,312
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$626/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$840/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,370
−HK$804/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,729 · 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).