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$14,980
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,446
−HK$474/mo
Today · 4.125%
HK$15,920
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,840/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$454/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$568/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$544/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$662/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$635/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$852/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$816/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,949 · 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).