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$928/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$468/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$447/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$915/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$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,751
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,303
−HK$561/mo
Today · 4.125%
HK$18,864
baseline
▲ 0.50% · 4.625%
HK$20,012
+HK$1,148/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,728/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,277
−HK$537/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$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$655/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,039
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$626/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,563
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,626
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$842/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,721/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,621
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$805/mo
Today · 4.125%
HK$31,221
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,442/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$183,708 · 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).