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$14,756
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,215
−HK$466/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,635
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,416
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$447/mo
Today · 4.125%
HK$17,303
baseline
▲ 0.50% · 4.625%
HK$18,215
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,606/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,707
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$560/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,699
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$536/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,301
−HK$653/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,982
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$625/mo
Today · 4.125%
HK$24,224
baseline
▲ 0.50% · 4.625%
HK$25,501
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,448/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$839/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,718/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$804/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,642/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,117 · 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).