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$927/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$467/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$957/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$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,454
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$447/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,257
+HK$915/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$183,604 · 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$20,008
+HK$1,147/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$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,067/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$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$654/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$626/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,280/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$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,622
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$841/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$805/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,604 · 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).