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$14,945
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$472/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,626
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$452/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,448
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,934
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,492
−HK$567/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,218
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,951
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$543/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,923
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,574
−HK$661/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$633/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$25,827
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,901
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$850/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$814/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,207
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,408 · 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).