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$14,785
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$467/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,668
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$448/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,294
−HK$561/mo
Today · 4.125%
HK$18,855
baseline
▲ 0.50% · 4.625%
HK$20,002
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,710/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$537/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,608/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$654/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,027
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,645
−HK$627/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,613
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$841/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,721/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,607
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$805/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,645/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,393 · 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).