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$15,241
−HK$468/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$955/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$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$448/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,666/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,738
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$560/mo
Today · 4.125%
HK$18,850
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,700/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,733
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$536/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$626/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$840/mo
Today · 4.125%
HK$28,275
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,721/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,550/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$805/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,645/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,245 · 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).