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$14,761
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$466/mo
Today · 4.125%
HK$15,686
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,372/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$446/mo
Today · 4.125%
HK$17,308
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,616/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,713
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$560/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$536/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,665
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$653/mo
Today · 4.125%
HK$21,961
baseline
▲ 0.50% · 4.625%
HK$23,297
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,922/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,606
−HK$626/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,569
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$839/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,719/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,558
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$804/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,642/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,328 · 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).