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$14,780
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,239
−HK$467/mo
Today · 4.125%
HK$15,706
baseline
▲ 0.50% · 4.625%
HK$16,662
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,412/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,442
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$448/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,244
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,736
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,287
−HK$561/mo
Today · 4.125%
HK$18,848
baseline
▲ 0.50% · 4.625%
HK$19,995
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,696/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$537/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,692
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$654/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$627/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$841/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,992
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$805/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,159 · 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).