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$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$467/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$448/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,250
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$561/mo
Today · 4.125%
HK$18,854
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,708/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$537/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,698
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$654/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,338/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$626/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$841/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,721/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$806/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$32,850
+HK$1,645/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,360 · 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).