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$14,920
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$472/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$452/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,904
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$566/mo
Today · 4.125%
HK$19,027
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,054/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$542/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$660/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$632/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,857
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$849/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$813/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,329 · 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).