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$14,968
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$474/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$899/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$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,961
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,520
−HK$568/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,161/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$544/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,955
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$662/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$634/mo
Today · 4.125%
HK$24,572
baseline
▲ 0.50% · 4.625%
HK$25,867
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,144/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,780
−HK$852/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,973
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$815/mo
Today · 4.125%
HK$31,592
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,666/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,184/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,413 · 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).