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$14,778
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$447/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,733
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$560/mo
Today · 4.125%
HK$18,845
baseline
▲ 0.50% · 4.625%
HK$19,992
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,690/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,728
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$537/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$654/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,016
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$626/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,427
−HK$841/mo
Today · 4.125%
HK$28,268
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,536/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,592
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,386
−HK$805/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,069 · 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).