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$14,949
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$473/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$452/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,939
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,497
−HK$567/mo
Today · 4.125%
HK$19,064
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,128/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$543/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$661/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$633/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$850/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,738
−HK$815/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,663/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,594 · 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).