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$14,777
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$955/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$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,284
−HK$560/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,991
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$537/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$654/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,338/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$626/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$840/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$805/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,039 · 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).