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$14,890
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$470/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,648/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,565
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$450/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,424
−HK$565/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,155/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,878
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$540/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,057
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$659/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$631/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$847/mo
Today · 4.125%
HK$28,483
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,966/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$812/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,656/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,012 · 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).