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$14,933
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$472/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,835
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,613
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$452/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,477
−HK$567/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$543/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$661/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,570
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$633/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$850/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$813/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,662/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,896 · 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).