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$14,911
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$471/mo
Today · 4.125%
HK$15,846
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,692/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$451/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,893
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$565/mo
Today · 4.125%
HK$19,015
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,030/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,906
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$541/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$659/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,350/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$632/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,768
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$849/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,735/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$812/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,913 · 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).