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$14,906
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$471/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,682/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,583
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,028
−HK$451/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,400
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$565/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,157/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$542/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$659/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$631/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$848/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,249
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$812/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,120
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,704 · 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).