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$14,790
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$468/mo
Today · 4.125%
HK$15,718
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,436/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,454
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$448/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,686/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,748
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$561/mo
Today · 4.125%
HK$18,861
baseline
▲ 0.50% · 4.625%
HK$20,009
+HK$1,148/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,722/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$537/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$655/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$627/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,622
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$842/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,721/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$806/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,620 · 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).