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$14,754
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,213
−HK$466/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$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$447/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,705
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$559/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$536/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,656
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,298
−HK$653/mo
Today · 4.125%
HK$21,951
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,902/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,979
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$625/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,557
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$839/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,337
−HK$804/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,642/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,039 · 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).