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$14,973
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$473/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$454/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,968
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,527
−HK$568/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$544/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$662/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,321
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$635/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$25,876
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$852/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$816/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,653 · 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).