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$937/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$472/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,542 · 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$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$566/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,108/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$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$662/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$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$633/mo
Today · 4.125%
HK$24,539
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,078/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$851/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$190,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$814/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,213
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,542 · 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).