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$14,928
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$472/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$451/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,427
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,914
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,471
−HK$566/mo
Today · 4.125%
HK$19,037
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,158/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,074/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,929
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$542/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,113
+HK$1,108/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$661/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,351/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,250
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$632/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$849/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,738/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,893
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$813/mo
Today · 4.125%
HK$31,508
baseline
▲ 0.50% · 4.625%
HK$33,169
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,016/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,663 · 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).