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$14,775
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$466/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,402/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,437
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$447/mo
Today · 4.125%
HK$17,325
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,650/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,730
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,281
−HK$561/mo
Today · 4.125%
HK$18,842
baseline
▲ 0.50% · 4.625%
HK$19,988
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,684/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$537/mo
Today · 4.125%
HK$20,790
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,580/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,685
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$654/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$626/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$841/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$805/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,953 · 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).