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$14,914
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$472/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$452/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$566/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,911
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$541/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$660/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,229
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$632/mo
Today · 4.125%
HK$24,484
baseline
▲ 0.50% · 4.625%
HK$25,775
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,968/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$849/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,866
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$813/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,071 · 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).