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$14,946
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$473/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$452/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$566/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$543/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$661/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,589
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$633/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$850/mo
Today · 4.125%
HK$28,589
baseline
▲ 0.50% · 4.625%
HK$30,329
+HK$1,740/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,178/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,928
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,731
−HK$814/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,433 · 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).