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$14,972
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$473/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$453/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,482
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$567/mo
Today · 4.125%
HK$19,093
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,186/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$663/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$635/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,950
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,788
−HK$852/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,982
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$815/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,267
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,604 · 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).