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$14,927
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$472/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,726/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,606
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$452/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,912
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$567/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,194
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$542/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$660/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,559
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$633/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$849/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,693
−HK$813/mo
Today · 4.125%
HK$31,506
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,012/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,616 · 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).