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$14,924
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$471/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,824
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,602
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$451/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,422
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,908
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,465
−HK$566/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$542/mo
Today · 4.125%
HK$20,999
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,998/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$660/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$632/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$849/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,284
+HK$1,737/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,884
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$813/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,467 · 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).