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$927/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$467/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,651
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,431
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$447/mo
Today · 4.125%
HK$17,319
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,638/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,275
−HK$560/mo
Today · 4.125%
HK$18,835
baseline
▲ 0.50% · 4.625%
HK$19,981
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,670/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$536/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$654/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$626/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$840/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$804/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,710 · 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).