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$15,458
−HK$474/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$969/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$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,126
−HK$453/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,990
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,550
−HK$568/mo
Today · 4.125%
HK$19,118
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,236/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,014
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,551
−HK$544/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,207
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$664/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,357/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$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$635/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$25,908
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$853/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,744/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$192,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$817/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,668/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,463 · 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).