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$14,786
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$467/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,449
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$448/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,252
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,743
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,295
−HK$561/mo
Today · 4.125%
HK$18,856
baseline
▲ 0.50% · 4.625%
HK$20,003
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,712/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$537/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$21,902
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$654/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,337
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,029
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$627/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,614
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,442
−HK$841/mo
Today · 4.125%
HK$28,283
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,721/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$56,566/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,608
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,402
−HK$806/mo
Today · 4.125%
HK$31,208
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,645/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$62,416/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,425 · 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).