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$14,952
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$473/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$453/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,066/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,943
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$567/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,160/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,136/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,961
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$544/mo
Today · 4.125%
HK$21,040
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,080/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,933
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$662/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,600
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,913
−HK$633/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$851/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,942
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$814/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$190,729 · 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).