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$14,986
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$473/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,119
−HK$453/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,542
−HK$569/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$545/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$663/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$635/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$25,898
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,974
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$853/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$817/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,195 · 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).