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$14,901
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$471/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,578
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$451/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$565/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,159
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,893
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$541/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,073
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$659/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,519
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$632/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$847/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,735/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$812/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,496 · 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).