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$14,765
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$466/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$447/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,718
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$560/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,974
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$536/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$654/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$626/mo
Today · 4.125%
HK$24,238
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,476/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,576
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$840/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,961
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$804/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,643/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,497 · 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).