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$15,436
−HK$474/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$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$454/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$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,524
−HK$567/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$543/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$662/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$634/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$852/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$815/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,537 · 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).