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$14,992
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,459
−HK$473/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,864/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,679
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$454/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,991
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$569/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,014
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$545/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$663/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,663
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$636/mo
Today · 4.125%
HK$24,612
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,224/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$853/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,745/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,668/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,482 · 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).