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$14,995
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$474/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,681
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$454/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$569/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$545/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,992
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$664/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$636/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,830
−HK$853/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,832
−HK$817/mo
Today · 4.125%
HK$31,649
baseline
▲ 0.50% · 4.625%
HK$33,317
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,298/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,584 · 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).