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$14,950
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$472/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,078
−HK$452/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$543/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,930
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,581
−HK$661/mo
Today · 4.125%
HK$22,242
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,484/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,284
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,909
−HK$633/mo
Today · 4.125%
HK$24,542
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,084/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$850/mo
Today · 4.125%
HK$28,597
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,194/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,937
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$814/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,619 · 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).