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$14,916
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$472/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$452/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,899
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,456
−HK$566/mo
Today · 4.125%
HK$19,022
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,044/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$542/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$660/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$632/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$849/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,869
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$812/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,148 · 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).