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$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,448
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$447/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$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,742
−HK$1,112/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$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,737
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$537/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,096/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$183,377 · 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$23,335
+HK$1,339/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$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,027
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$627/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$841/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$30,002
+HK$1,721/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,606
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$805/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$183,377 · 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).