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$14,978
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$474/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$454/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,837 · 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$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,080/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$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$662/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$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$635/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$25,884
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,960
−HK$1,690/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$191,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$816/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,837 · 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).