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$14,796
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$468/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$448/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,755
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,308
−HK$561/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$538/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,097/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,359
−HK$655/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$627/mo
Today · 4.125%
HK$24,290
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,580/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$841/mo
Today · 4.125%
HK$28,303
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,606/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$806/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$32,876
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,882 · 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).