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$14,773
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$466/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$956/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$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$447/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,279
−HK$560/mo
Today · 4.125%
HK$18,839
baseline
▲ 0.50% · 4.625%
HK$19,986
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,678/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,722
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$536/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,682
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$653/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$626/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,592
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$840/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,583
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$805/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,870 · 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).