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$14,996
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,462
−HK$474/mo
Today · 4.125%
HK$15,936
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,872/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$454/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,995
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,555
−HK$568/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,556
−HK$545/mo
Today · 4.125%
HK$21,101
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,202/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,994
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$663/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,668
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,982
−HK$635/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$25,915
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,992
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$853/mo
Today · 4.125%
HK$28,685
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,370/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,834
−HK$817/mo
Today · 4.125%
HK$31,651
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,302/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,632 · 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).