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$14,969
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$474/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,875
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,816/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,653
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$453/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,963
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$568/mo
Today · 4.125%
HK$19,089
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,178/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,519
−HK$544/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,956
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$663/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$634/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,782
−HK$852/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,376
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,975
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$815/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,260
+HK$1,666/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,188/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,455 · 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).