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$14,930
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$472/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,734/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$452/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$566/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,932
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$543/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$660/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$632/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$849/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,298
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,898
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,700
−HK$813/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$189,769 · 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).