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$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$470/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$450/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,432
−HK$565/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$541/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$659/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$631/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$847/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$811/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,276 · 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).