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$14,917
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$472/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,706/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$451/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,901
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$566/mo
Today · 4.125%
HK$19,024
baseline
▲ 0.50% · 4.625%
HK$20,181
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,048/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,915
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$542/mo
Today · 4.125%
HK$20,991
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,982/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$660/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$632/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,851
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$848/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,737/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$813/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,145
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,201 · 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).