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$14,947
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$472/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$452/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,936
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$567/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$543/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$661/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,591
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$634/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,904
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,741
−HK$850/mo
Today · 4.125%
HK$28,591
baseline
▲ 0.50% · 4.625%
HK$30,331
+HK$1,740/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,182/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,733
−HK$814/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,210
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,479 · 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).