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$14,793
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$467/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,442/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,899
−HK$448/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,304
−HK$561/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$20,013
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,279
−HK$537/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$21,913
+HK$1,097/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,711
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$654/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,340/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$627/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,628
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$842/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$806/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$32,870
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,759 · 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).