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$14,895
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$470/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,571
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$451/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$565/mo
Today · 4.125%
HK$18,995
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,990/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$541/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,502
−HK$659/mo
Today · 4.125%
HK$22,161
baseline
▲ 0.50% · 4.625%
HK$23,510
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,322/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,199
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$632/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,742
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$847/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$811/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,229 · 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).