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$14,929
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$472/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,730/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$452/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$566/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,196
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,464
−HK$542/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,900
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$661/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$632/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$850/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,294
+HK$1,737/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,696
−HK$813/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,170
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,692 · 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).