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$14,940
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$472/mo
Today · 4.125%
HK$15,877
baseline
▲ 0.50% · 4.625%
HK$16,843
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,754/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,620
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$452/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$567/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,104/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$543/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,566
−HK$661/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,353/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$633/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,292/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$850/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$814/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,195
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,183 · 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).