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$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$471/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$451/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$565/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$659/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$632/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$847/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$811/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,258 · 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).