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$14,753
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,212
−HK$467/mo
Today · 4.125%
HK$15,679
baseline
▲ 0.50% · 4.625%
HK$16,633
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,358/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,413
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$447/mo
Today · 4.125%
HK$17,300
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,600/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,704
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$559/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,224
−HK$536/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$653/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$625/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,496
+HK$1,276/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$839/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,718/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$804/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$32,781
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,007 · 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).