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$14,907
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$471/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$451/mo
Today · 4.125%
HK$17,480
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,960/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,889
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,445
−HK$565/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,157/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$541/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,870
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$660/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$632/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$848/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,251
+HK$1,736/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$812/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,747 · 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).