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$14,993
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$473/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$454/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,992
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$569/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$544/mo
Today · 4.125%
HK$21,097
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,194/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$664/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,352
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$635/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$853/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,425
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$817/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,523 · 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).