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$14,933
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$472/mo
Today · 4.125%
HK$15,869
baseline
▲ 0.50% · 4.625%
HK$16,835
+HK$966/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,738/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,612
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$452/mo
Today · 4.125%
HK$17,510
baseline
▲ 0.50% · 4.625%
HK$18,433
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,020/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,919
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,476
−HK$567/mo
Today · 4.125%
HK$19,043
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,086/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,469
−HK$543/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,906
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$661/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,881
−HK$633/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$849/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,302
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$814/mo
Today · 4.125%
HK$31,518
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,036/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,864 · 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).