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$14,935
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$966/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,922
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,480
−HK$566/mo
Today · 4.125%
HK$19,046
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,092/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$543/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,909
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$661/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$633/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,293/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$849/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,739/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,908
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$813/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,662/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,981 · 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).