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$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$473/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$453/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,503
−HK$567/mo
Today · 4.125%
HK$19,070
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,140/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,963
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$543/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$661/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,602
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$634/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$851/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$815/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,798 · 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).