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$14,952
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$472/mo
Today · 4.125%
HK$15,889
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,778/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,633
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$452/mo
Today · 4.125%
HK$17,532
baseline
▲ 0.50% · 4.625%
HK$18,456
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,064/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,942
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,500
−HK$567/mo
Today · 4.125%
HK$19,067
baseline
▲ 0.50% · 4.625%
HK$20,227
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,134/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,495
−HK$544/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$662/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,911
−HK$634/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$850/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$815/mo
Today · 4.125%
HK$31,558
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,116/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,696 · 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).