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$14,922
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$471/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$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$451/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$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,906
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$566/mo
Today · 4.125%
HK$19,029
baseline
▲ 0.50% · 4.625%
HK$20,187
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,058/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,920
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$542/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,106/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,390 · 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$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,240
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$632/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,695
−HK$848/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,737/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$189,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,881
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$813/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,660/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,390 · 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).