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$14,920
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$471/mo
Today · 4.125%
HK$15,855
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,710/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$452/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,904
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,461
−HK$565/mo
Today · 4.125%
HK$19,026
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,052/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,918
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,452
−HK$542/mo
Today · 4.125%
HK$20,994
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,988/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$661/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$632/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$849/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$813/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,304 · 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).