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$14,779
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,239
−HK$467/mo
Today · 4.125%
HK$15,706
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,412/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,441
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$448/mo
Today · 4.125%
HK$17,330
baseline
▲ 0.50% · 4.625%
HK$18,243
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,660/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,735
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,286
−HK$561/mo
Today · 4.125%
HK$18,847
baseline
▲ 0.50% · 4.625%
HK$19,994
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,694/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,730
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$537/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$654/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,018
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$627/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$840/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$805/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$32,838
+HK$1,645/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,127 · 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).