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$14,917
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$472/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$452/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$566/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,181
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$542/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$660/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$633/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,851
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,686
−HK$849/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,271
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$812/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,191 · 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).