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$14,962
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$473/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$453/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,513
−HK$568/mo
Today · 4.125%
HK$19,081
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,162/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,975
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$544/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$634/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$25,858
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$851/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$815/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,664/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,173 · 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).