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$14,897
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,361
−HK$471/mo
Today · 4.125%
HK$15,832
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,664/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$451/mo
Today · 4.125%
HK$17,469
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$920/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,938/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,877
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$565/mo
Today · 4.125%
HK$18,998
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,996/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$541/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,856
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$659/mo
Today · 4.125%
HK$22,164
baseline
▲ 0.50% · 4.625%
HK$23,513
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,328/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$631/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,815
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$848/mo
Today · 4.125%
HK$28,497
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,994/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$812/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,323 · 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).