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$14,797
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$468/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$448/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,756
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$561/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$20,018
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,740/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,754
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$537/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,097/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$655/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$627/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,572
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,634
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$842/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,631
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$806/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$32,878
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,915 · 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).