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$933/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$470/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,568
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,012
−HK$451/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,383
+HK$920/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$565/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$541/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,104/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$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$659/mo
Today · 4.125%
HK$22,157
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,314/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$631/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,640
−HK$848/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$811/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,110 · 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).