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$14,787
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$468/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$448/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,297
−HK$561/mo
Today · 4.125%
HK$18,858
baseline
▲ 0.50% · 4.625%
HK$20,005
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,716/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$537/mo
Today · 4.125%
HK$20,808
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,616/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,702
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,346
−HK$655/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,338/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,031
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$627/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$842/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,721/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$805/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,646/mo
Deposit HK$648K · loan HK$5.84M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,500 · 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).