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$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$448/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,291
−HK$560/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$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$536/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,097/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$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$654/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$626/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$841/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$806/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,276 · 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).