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$14,953
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$473/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,635
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$452/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,944
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,502
−HK$567/mo
Today · 4.125%
HK$19,069
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,138/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$543/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$661/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$634/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$851/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,740/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$814/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$190,773 · 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).