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$939/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$473/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$453/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,525
−HK$567/mo
Today · 4.125%
HK$19,092
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,184/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$544/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,110/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$662/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$635/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,949
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$852/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,742/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$816/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,265
+HK$1,665/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$191,569 · 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).