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$14,989
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$473/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,676
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$453/mo
Today · 4.125%
HK$17,576
baseline
▲ 0.50% · 4.625%
HK$18,503
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,152/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$568/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$545/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$663/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$635/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$853/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,745/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,016
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$817/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,305
+HK$1,667/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,356 · 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).