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$14,774
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$467/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$955/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$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$447/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,237
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,280
−HK$561/mo
Today · 4.125%
HK$18,841
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,682/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$537/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$654/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,011
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$626/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$840/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$805/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$32,827
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,916 · 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).