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$14,941
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$472/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,756/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,622
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$452/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$566/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$542/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,918
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$661/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,271
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$633/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,293/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$850/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,920
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$814/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,256 · 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).