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$14,974
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$473/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$453/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,118/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,969
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,528
−HK$568/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$544/mo
Today · 4.125%
HK$21,071
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,142/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$663/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$634/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,954
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$852/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,387
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,986
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,790
−HK$816/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,272
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,699 · 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).