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$14,991
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$474/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$453/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,989
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,549
−HK$568/mo
Today · 4.125%
HK$19,117
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,234/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$544/mo
Today · 4.125%
HK$21,094
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,188/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$664/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,661
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$635/mo
Today · 4.125%
HK$24,610
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,220/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$853/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,421
+HK$1,745/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,824
−HK$817/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,668/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,428 · 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).