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$14,798
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$468/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,452/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,462
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,266
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,310
−HK$561/mo
Today · 4.125%
HK$18,871
baseline
▲ 0.50% · 4.625%
HK$20,019
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,742/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$537/mo
Today · 4.125%
HK$20,822
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,644/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$655/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$627/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$842/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$30,028
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,632
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,427
−HK$806/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,948 · 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).