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$14,977
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$473/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$453/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$568/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$544/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$663/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$634/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$25,883
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$852/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,393
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,796
−HK$816/mo
Today · 4.125%
HK$31,612
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,224/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,825 · 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).