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$14,766
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$467/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,427
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$446/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,270
−HK$560/mo
Today · 4.125%
HK$18,830
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,660/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$536/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,315
−HK$654/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$625/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,518
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$839/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,569
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$804/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,558 · 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).