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$14,772
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$467/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,434
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$447/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,235
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,727
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,278
−HK$560/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,985
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$536/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$21,882
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$654/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$626/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$840/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$804/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$32,823
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,833 · 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).