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$14,940
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$472/mo
Today · 4.125%
HK$15,877
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,754/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,621
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$452/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$567/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,106/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$543/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$661/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$633/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,292/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$850/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,918
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$814/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,208 · 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).