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$14,776
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$467/mo
Today · 4.125%
HK$15,702
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,404/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$447/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$561/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$537/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$654/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$626/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$840/mo
Today · 4.125%
HK$28,264
baseline
▲ 0.50% · 4.625%
HK$29,984
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,528/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,588
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,382
−HK$805/mo
Today · 4.125%
HK$31,187
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,374/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,986 · 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).