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$14,919
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$472/mo
Today · 4.125%
HK$15,855
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,710/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$451/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,903
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,460
−HK$566/mo
Today · 4.125%
HK$19,026
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,052/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$542/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$660/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$632/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$849/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,275
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$813/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,281 · 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).