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$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$468/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$447/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$561/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$20,000
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$537/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,697
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,341
−HK$654/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,025
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,643
−HK$626/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,549
+HK$1,280/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$841/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,721/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$805/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,645/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,333 · 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).