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$14,922
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$472/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$451/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,906
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$566/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$542/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$660/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$632/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,860
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$849/mo
Today · 4.125%
HK$28,544
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,737/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,088/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,881
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$813/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,156
+HK$1,661/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,400 · 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).