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$14,901
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$471/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,881
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$565/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$541/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$659/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,518
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,208
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$631/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,821
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$847/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$811/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,465 · 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).