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$14,899
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$471/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,666/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,575
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$451/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$565/mo
Today · 4.125%
HK$18,999
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,998/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,889
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$541/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,858
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$659/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$631/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,817
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$847/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,834
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$812/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,373 · 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).