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$14,998
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$474/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,878/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$454/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$569/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$544/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$663/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,360
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$636/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$853/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$818/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,749 · 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).