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$14,891
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$471/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,650/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$450/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$565/mo
Today · 4.125%
HK$18,990
baseline
▲ 0.50% · 4.625%
HK$20,146
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,980/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$541/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,496
−HK$659/mo
Today · 4.125%
HK$22,155
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,310/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$631/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,288/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,804
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$847/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,819
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$811/mo
Today · 4.125%
HK$31,430
baseline
▲ 0.50% · 4.625%
HK$33,087
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,860/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,051 · 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).