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$14,976
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$473/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,830/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$453/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,971
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,530
−HK$568/mo
Today · 4.125%
HK$19,098
baseline
▲ 0.50% · 4.625%
HK$20,260
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,196/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$544/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,619
−HK$662/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$634/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$852/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,390
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$816/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,276
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,771 · 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).