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$14,788
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$467/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$957/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$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$447/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$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$561/mo
Today · 4.125%
HK$18,859
baseline
▲ 0.50% · 4.625%
HK$20,006
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,718/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$538/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$655/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,340
+HK$1,338/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$627/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,279/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,447
−HK$841/mo
Today · 4.125%
HK$28,288
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,721/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,576/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$806/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,645/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,529 · 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).