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$15,230
−HK$466/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$956/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$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$448/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,232
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,724
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$560/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,982
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$536/mo
Today · 4.125%
HK$20,783
baseline
▲ 0.50% · 4.625%
HK$21,879
+HK$1,096/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$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$653/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$182,746 · 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$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$841/mo
Today · 4.125%
HK$28,254
baseline
▲ 0.50% · 4.625%
HK$29,973
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,508/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,577
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,370
−HK$805/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,350/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,746 · 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).