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$935/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$471/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$451/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,900
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,457
−HK$566/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,046/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,448
−HK$542/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$660/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$632/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$849/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,672
−HK$812/mo
Today · 4.125%
HK$31,484
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,968/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$189,173 · 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).