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$14,938
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$472/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,750/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,619
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,065
−HK$452/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,926
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,484
−HK$566/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$543/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$661/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,578
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$633/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$849/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$814/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,122 · 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).