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$14,792
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$467/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$448/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$561/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$20,011
+HK$1,148/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$538/mo
Today · 4.125%
HK$20,814
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,097/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,628/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$655/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$626/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$842/mo
Today · 4.125%
HK$28,295
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,721/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,590/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$806/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,685 · 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).