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$14,971
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$473/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,877
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,818/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$453/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,965
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$568/mo
Today · 4.125%
HK$19,091
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,182/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$544/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$662/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,316
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$634/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$852/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,379
+HK$1,742/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$816/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,263
+HK$1,665/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,529 · 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).