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$14,971
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$473/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$453/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$568/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,161/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$544/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$663/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$635/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$852/mo
Today · 4.125%
HK$28,638
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,742/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,276/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$816/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,665/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,198/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,550 · 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).