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$14,979
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$473/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,664
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$453/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$568/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$544/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$662/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$635/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,801
−HK$852/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,396
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,995
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$816/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,893 · 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).