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$14,789
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$468/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,673
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,434/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$448/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,256
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,299
−HK$561/mo
Today · 4.125%
HK$18,860
baseline
▲ 0.50% · 4.625%
HK$20,008
+HK$1,148/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,720/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$537/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,705
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$654/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$627/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$841/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$805/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,582 · 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).