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$14,979
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$474/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,664
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$454/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$568/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$544/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$663/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$635/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$852/mo
Today · 4.125%
HK$28,654
baseline
▲ 0.50% · 4.625%
HK$30,397
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,308/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,996
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$817/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,917 · 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).