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$14,908
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$472/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,585
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$452/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$565/mo
Today · 4.125%
HK$19,011
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,022/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$542/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$660/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,529
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$632/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$848/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$812/mo
Today · 4.125%
HK$31,465
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,659/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,930/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,773 · 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).