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$14,957
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,422
−HK$473/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,639
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$452/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,948
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$567/mo
Today · 4.125%
HK$19,074
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,148/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,967
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$543/mo
Today · 4.125%
HK$21,046
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,092/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,591
−HK$662/mo
Today · 4.125%
HK$22,253
baseline
▲ 0.50% · 4.625%
HK$23,607
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,506/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$634/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$851/mo
Today · 4.125%
HK$28,611
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,222/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$815/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,931 · 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).