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$14,963
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$473/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,869
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$453/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,956
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$567/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,164/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$543/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,110/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$663/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$634/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$851/mo
Today · 4.125%
HK$28,623
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,246/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,964
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$815/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,248
+HK$1,665/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,218 · 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).