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$14,758
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$466/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$447/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,709
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,260
−HK$560/mo
Today · 4.125%
HK$18,820
baseline
▲ 0.50% · 4.625%
HK$19,965
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,640/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$536/mo
Today · 4.125%
HK$20,766
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,532/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,661
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$653/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$625/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,504
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$840/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,948
+HK$1,718/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$804/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,642/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,203 · 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).