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$14,900
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$471/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,880
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$565/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$541/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,860
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$660/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,348/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$632/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$847/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,735/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,838
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$812/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,107
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,448 · 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).