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$14,927
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$471/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$966/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,726/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,606
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$452/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,913
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,470
−HK$566/mo
Today · 4.125%
HK$19,036
baseline
▲ 0.50% · 4.625%
HK$20,194
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,072/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$542/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,898
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$661/mo
Today · 4.125%
HK$22,209
baseline
▲ 0.50% · 4.625%
HK$23,560
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,418/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$632/mo
Today · 4.125%
HK$24,505
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,010/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$849/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,693
−HK$814/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,660/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,633 · 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).