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$14,782
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$467/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,665
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,418/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$447/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,666/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,738
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$561/mo
Today · 4.125%
HK$18,851
baseline
▲ 0.50% · 4.625%
HK$19,998
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,702/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$537/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$626/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$841/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$806/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,252 · 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).