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$927/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,003 · 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$18,240
+HK$914/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$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$560/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$537/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$654/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$626/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$841/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,382
−HK$806/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,003 · 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).