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$14,962
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$472/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$453/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$924/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$567/mo
Today · 4.125%
HK$19,080
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,160/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,974
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$543/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,303
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$634/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$851/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,741/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,961
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$815/mo
Today · 4.125%
HK$31,580
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,665/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,160/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,161 · 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).