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$14,909
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$471/mo
Today · 4.125%
HK$15,844
baseline
▲ 0.50% · 4.625%
HK$16,809
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,688/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,587
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,031
−HK$452/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,404
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$565/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$541/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$659/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$632/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,837
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$848/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,255
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,856
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,657
−HK$812/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,128
+HK$1,659/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,851 · 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).