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$14,791
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$467/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,455
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$447/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$915/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$561/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,746
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$537/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$655/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$627/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$841/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$806/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,645/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,673 · 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).