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$14,799
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,259
−HK$468/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,454/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,463
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$448/mo
Today · 4.125%
HK$17,353
baseline
▲ 0.50% · 4.625%
HK$18,268
+HK$915/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,706/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$561/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$538/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$21,921
+HK$1,097/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,718
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$655/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,036/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$627/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,281/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$842/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$806/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,647/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,997 · 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).