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$14,959
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,424
−HK$473/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,864
+HK$967/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,794/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$452/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,465
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,950
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$567/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$544/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,942
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$661/mo
Today · 4.125%
HK$22,255
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,355/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,510/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$634/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$25,851
+HK$1,294/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,926
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$851/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$815/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,664/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,010 · 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).