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$14,909
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$471/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$452/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$565/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$541/mo
Today · 4.125%
HK$20,978
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,956/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$660/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$631/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,835
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$848/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$812/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,126
+HK$1,659/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,811 · 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).