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$14,923
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$471/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$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$452/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,907
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,464
−HK$566/mo
Today · 4.125%
HK$19,030
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,060/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$542/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,105
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$661/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,553
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$632/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$849/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,282
+HK$1,737/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,882
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$813/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,157
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,424 · 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).