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$14,936
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,616
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$453/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$567/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$542/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$661/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,262
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$633/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,292/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,884
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$849/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$813/mo
Today · 4.125%
HK$31,524
baseline
▲ 0.50% · 4.625%
HK$33,186
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,048/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,003 · 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).