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$14,897
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$471/mo
Today · 4.125%
HK$15,831
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,662/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$451/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$920/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,432
−HK$565/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$541/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$659/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$631/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,814
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$847/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$812/mo
Today · 4.125%
HK$31,442
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,884/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,288 · 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).