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$14,966
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$473/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,872
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,649
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$452/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,473
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,517
−HK$568/mo
Today · 4.125%
HK$19,085
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,161/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,170/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$543/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$663/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,309
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,934
−HK$634/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$851/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$815/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,665/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,309 · 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).