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$14,768
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$467/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,429
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$447/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,634/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,722
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$560/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$536/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,675
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$654/mo
Today · 4.125%
HK$21,972
baseline
▲ 0.50% · 4.625%
HK$23,309
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,944/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$626/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,583
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$840/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,366
−HK$805/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,650 · 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).