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$940/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$474/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,685
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$454/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,997
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$569/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,022
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,559
−HK$544/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$663/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$636/mo
Today · 4.125%
HK$24,621
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,242/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$854/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$817/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,324
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,716 · 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).