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$14,918
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$471/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$452/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$566/mo
Today · 4.125%
HK$19,024
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,048/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,915
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$542/mo
Today · 4.125%
HK$20,991
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,982/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$660/mo
Today · 4.125%
HK$22,195
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,390/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$633/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,781
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,852
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$849/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,873
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$813/mo
Today · 4.125%
HK$31,487
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,974/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,219 · 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).