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$14,957
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$472/mo
Today · 4.125%
HK$15,895
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,790/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,640
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,086
−HK$453/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$567/mo
Today · 4.125%
HK$19,074
baseline
▲ 0.50% · 4.625%
HK$20,235
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,148/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$544/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$661/mo
Today · 4.125%
HK$22,253
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,506/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$633/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,761
−HK$851/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,952
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$815/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,952 · 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).