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$940/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$474/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,867 · 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$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$1,127/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$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,080/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$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$663/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,328
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$635/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$25,885
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$853/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$816/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,867 · 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).