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$14,915
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$471/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,700/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,593
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$451/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,898
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$565/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,911
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$542/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,881
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$659/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,853
−HK$632/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$849/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$813/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,095 · 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).