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$14,958
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$473/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,792/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,640
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$453/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,949
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,508
−HK$567/mo
Today · 4.125%
HK$19,075
baseline
▲ 0.50% · 4.625%
HK$20,236
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,150/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$543/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$662/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,297
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$634/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$25,850
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$851/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$815/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,235
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,974 · 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).