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$14,893
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$471/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$920/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$565/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$540/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$659/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$631/mo
Today · 4.125%
HK$24,449
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,898/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$847/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$812/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,138 · 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).