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$14,764
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$467/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,717
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$560/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$537/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$653/mo
Today · 4.125%
HK$21,966
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,932/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,995
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$626/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,515
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,575
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$840/mo
Today · 4.125%
HK$28,242
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,484/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,565
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$804/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,643/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,473 · 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).