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$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$471/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$450/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$565/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$660/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$631/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,742
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$847/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$812/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,242 · 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).