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$14,941
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$472/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,224 · 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$18,443
+HK$924/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$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,929
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,487
−HK$566/mo
Today · 4.125%
HK$19,053
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,160/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$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$542/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,109/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$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$661/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$633/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,293/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$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$850/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,919
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,721
−HK$814/mo
Today · 4.125%
HK$31,535
baseline
▲ 0.50% · 4.625%
HK$33,197
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,070/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,224 · 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).