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$14,949
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$472/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$453/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$567/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$661/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$633/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$850/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$815/mo
Today · 4.125%
HK$31,552
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,104/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,569 · 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).