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$940/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$474/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$968/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$454/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$568/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$544/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,112/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$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,315/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$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$635/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$853/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,001
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$816/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,289
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,032 · 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).