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$14,925
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,390
−HK$471/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$451/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,910
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$566/mo
Today · 4.125%
HK$19,033
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,066/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,925
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$543/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,109
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,895
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$661/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$633/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,865
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$849/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,737/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$813/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,163
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,543 · 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).