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$14,988
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$474/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,897
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$454/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,985
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$568/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$544/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,983
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$663/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$635/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$853/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,744/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$816/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,668/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,284 · 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).