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$14,783
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$467/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$448/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,740
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,292
−HK$560/mo
Today · 4.125%
HK$18,852
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,704/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$537/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$654/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,339/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,025
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$626/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,280/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,437
−HK$841/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,999
+HK$1,721/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,397
−HK$805/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,645/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,310 · 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).