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$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$451/mo
Today · 4.125%
HK$17,487
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,974/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,896
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$566/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$541/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$660/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$632/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$849/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$813/mo
Today · 4.125%
HK$31,477
baseline
▲ 0.50% · 4.625%
HK$33,136
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,954/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,008 · 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).