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$14,983
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$473/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,846/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,669
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$454/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,980
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,539
−HK$569/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$544/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$663/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$635/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$852/mo
Today · 4.125%
HK$28,661
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,322/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$816/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,096 · 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).