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$14,905
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,369
−HK$471/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,680/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,582
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$452/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$566/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,016/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,432
−HK$541/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,867
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$660/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,525
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,214
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$632/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,664
−HK$848/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,734/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$812/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,658 · 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).