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$14,960
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$473/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$452/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,510
−HK$567/mo
Today · 4.125%
HK$19,077
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,154/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,971
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$544/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$662/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$634/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$25,853
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$851/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$815/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,046 · 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).