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$14,944
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,409
−HK$472/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,071
−HK$452/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,933
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$567/mo
Today · 4.125%
HK$19,057
baseline
▲ 0.50% · 4.625%
HK$20,217
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,114/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$543/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$661/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,899
−HK$633/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$850/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$814/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,663/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,357 · 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).