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$14,904
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$471/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,676/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,580
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$451/mo
Today · 4.125%
HK$17,476
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,952/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,884
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$565/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,162
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$541/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,865
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$660/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,523
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,212
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,835
−HK$631/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,827
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$848/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,645
−HK$812/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,599 · 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).