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$14,999
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$474/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,878/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,686
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$454/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$569/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$545/mo
Today · 4.125%
HK$21,105
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,210/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$664/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,360
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$635/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$853/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,034
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$817/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,760 · 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).