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$938/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$473/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,810/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,650
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$453/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,960
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,519
−HK$567/mo
Today · 4.125%
HK$19,086
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,172/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,980
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$544/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,953
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$662/mo
Today · 4.125%
HK$22,267
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,534/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,310
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$635/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$25,865
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$851/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,742/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,970
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$816/mo
Today · 4.125%
HK$31,590
baseline
▲ 0.50% · 4.625%
HK$33,255
+HK$1,665/mo
Deposit HK$656K · loan HK$5.91M · min. income ≈ HK$63,180/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,356 · 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).