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$14,942
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$472/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$452/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,042/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$567/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$543/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$662/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$633/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$850/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$814/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,277 · 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).