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$14,900
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$470/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$541/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,105/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,860
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$659/mo
Today · 4.125%
HK$22,168
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,336/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$631/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$848/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,236
+HK$1,734/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,837
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$812/mo
Today · 4.125%
HK$31,449
baseline
▲ 0.50% · 4.625%
HK$33,107
+HK$1,658/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,898/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,438 · 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).