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$14,946
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,411
−HK$472/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$453/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$567/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$543/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$661/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$633/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$25,829
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$850/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,740/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,929
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$814/mo
Today · 4.125%
HK$31,546
baseline
▲ 0.50% · 4.625%
HK$33,209
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,092/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,461 · 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).