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$14,921
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$472/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$452/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$922/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,906
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$566/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,186
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$542/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,890
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$660/mo
Today · 4.125%
HK$22,200
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,400/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$632/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$849/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,736/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$813/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,368 · 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).