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$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$451/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$565/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$542/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$660/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$632/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$848/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$813/mo
Today · 4.125%
HK$31,476
baseline
▲ 0.50% · 4.625%
HK$33,135
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,952/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,991 · 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).