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$935/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$471/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,808
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,031
−HK$451/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$922/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$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,447
−HK$566/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,169
+HK$1,156/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$542/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,105/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$659/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,350/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$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$632/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$848/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,254
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$812/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,659/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,827 · 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).