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$14,989
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$474/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,675
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$454/mo
Today · 4.125%
HK$17,576
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,152/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,546
−HK$569/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,278
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,010
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$544/mo
Today · 4.125%
HK$21,091
baseline
▲ 0.50% · 4.625%
HK$22,203
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,182/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$663/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$635/mo
Today · 4.125%
HK$24,606
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,212/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$853/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,745/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,015
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$817/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,667/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,336 · 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).