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$14,999
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$474/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,910
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$454/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,515
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,999
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$569/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,024
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$545/mo
Today · 4.125%
HK$21,106
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,212/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$664/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$636/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$853/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$817/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,797 · 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).