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$14,759
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$467/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$447/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,219
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,711
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$560/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$536/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$653/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$625/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,567
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$840/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,555
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$804/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,642/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,264 · 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).