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$14,890
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$470/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,648/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$450/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$565/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$541/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,057
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,847
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$659/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$631/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,637
−HK$847/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$811/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,017 · 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).