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$14,967
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$473/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$453/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$567/mo
Today · 4.125%
HK$19,087
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,174/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,517
−HK$544/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$662/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$634/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$852/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$815/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,257
+HK$1,666/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,395 · 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).