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$14,982
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$473/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$453/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$568/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,000
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$544/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,192
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$663/mo
Today · 4.125%
HK$22,290
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,580/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$635/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$852/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,402
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$816/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,288
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,015 · 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).