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$14,961
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$473/mo
Today · 4.125%
HK$15,899
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,798/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$453/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,953
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,512
−HK$567/mo
Today · 4.125%
HK$19,079
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,158/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,973
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,508
−HK$544/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$662/mo
Today · 4.125%
HK$22,259
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,518/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$634/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$851/mo
Today · 4.125%
HK$28,618
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,742/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,236/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$815/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,665/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,106 · 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).