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$14,944
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,409
−HK$472/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$453/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$567/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$543/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$661/mo
Today · 4.125%
HK$22,234
baseline
▲ 0.50% · 4.625%
HK$23,587
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,468/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$633/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$851/mo
Today · 4.125%
HK$28,587
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,174/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,926
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$814/mo
Today · 4.125%
HK$31,542
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,084/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,378 · 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).