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$14,948
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$473/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$452/mo
Today · 4.125%
HK$17,528
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,056/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$567/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$661/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,593
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$634/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$850/mo
Today · 4.125%
HK$28,594
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,188/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$814/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,554 · 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).