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$14,763
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$466/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$447/mo
Today · 4.125%
HK$17,311
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,622/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,715
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$560/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,972
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,708
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$536/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$653/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,609
−HK$626/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$840/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,355
−HK$804/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,643/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,412 · 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).