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$14,769
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$467/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$447/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$560/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$536/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,676
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$653/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$626/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$840/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$804/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$32,815
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,685 · 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).