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$14,915
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$472/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$452/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,899
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$566/mo
Today · 4.125%
HK$19,021
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,042/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,912
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$542/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$660/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$632/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,848
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,683
−HK$848/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$813/mo
Today · 4.125%
HK$31,482
baseline
▲ 0.50% · 4.625%
HK$33,141
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,964/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,113 · 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).