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$14,950
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$473/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,078
−HK$453/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,959
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$543/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,930
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$661/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,909
−HK$634/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$850/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$814/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,644 · 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).