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$14,761
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$467/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$447/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,714
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$559/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$536/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$653/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$626/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$840/mo
Today · 4.125%
HK$28,237
baseline
▲ 0.50% · 4.625%
HK$29,955
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,474/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,352
−HK$804/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$32,799
+HK$1,643/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,353 · 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).