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$14,912
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,376
−HK$471/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$452/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,894
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,451
−HK$565/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,174
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$542/mo
Today · 4.125%
HK$20,983
baseline
▲ 0.50% · 4.625%
HK$22,089
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,966/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$660/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$632/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$849/mo
Today · 4.125%
HK$28,525
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,735/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,050/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,861
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$812/mo
Today · 4.125%
HK$31,474
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,948/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,960 · 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).