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$14,781
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$467/mo
Today · 4.125%
HK$15,708
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,416/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$447/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$560/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,996
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$536/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$21,895
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$654/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$627/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,544
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$841/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$806/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$32,842
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,214 · 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).