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$14,902
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$471/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,579
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,023
−HK$451/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,883
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$565/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,008/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$541/mo
Today · 4.125%
HK$20,969
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,938/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$659/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,210
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$632/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$848/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,841
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$812/mo
Today · 4.125%
HK$31,454
baseline
▲ 0.50% · 4.625%
HK$33,112
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,908/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,534 · 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).