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$14,936
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$472/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$965/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,616
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$452/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,923
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$566/mo
Today · 4.125%
HK$19,047
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,094/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$543/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$661/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$633/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$850/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,738/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$814/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,014 · 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).