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$14,924
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$472/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,825
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,603
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$452/mo
Today · 4.125%
HK$17,500
baseline
▲ 0.50% · 4.625%
HK$18,422
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,000/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,466
−HK$566/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,190
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$542/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$661/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,244
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$632/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,863
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$848/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,738/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$813/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,661/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,482 · 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).