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$14,898
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,361
−HK$471/mo
Today · 4.125%
HK$15,832
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,664/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,574
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$451/mo
Today · 4.125%
HK$17,469
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,938/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,877
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,434
−HK$564/mo
Today · 4.125%
HK$18,998
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,996/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,422
−HK$541/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,857
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$659/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$632/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$848/mo
Today · 4.125%
HK$28,498
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,996/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$811/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,341 · 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).