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$14,767
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$467/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,386/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$447/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,721
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$560/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,978
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,714
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$536/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,095/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$653/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$626/mo
Today · 4.125%
HK$24,242
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,484/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$840/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,966
+HK$1,718/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,364
−HK$804/mo
Today · 4.125%
HK$31,168
baseline
▲ 0.50% · 4.625%
HK$32,811
+HK$1,643/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,336/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,607 · 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).