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$14,903
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$471/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,676/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$451/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,440
−HK$565/mo
Today · 4.125%
HK$19,005
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,157/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,010/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$541/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,864
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$660/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$631/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,826
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$848/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,734/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,843
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$812/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,114
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,572 · 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).