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$14,934
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$472/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,836
+HK$966/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,614
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$452/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$566/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$542/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$661/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,570
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,259
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$633/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$25,808
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$849/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$814/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,912 · 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).