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$14,894
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$470/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$565/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$541/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$658/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$631/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$847/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$811/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,151 · 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).