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$14,973
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$474/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$453/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,482
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$568/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$662/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$635/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$852/mo
Today · 4.125%
HK$28,641
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,282/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$815/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,268
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,625 · 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).