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$15,444
−HK$473/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$969/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$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$453/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$926/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$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,973
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$568/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$544/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$663/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,328
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$634/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$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,960
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$852/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$816/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,280
+HK$1,667/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$191,852 · 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).