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$14,982
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$473/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$453/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,979
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,538
−HK$568/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$544/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$663/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$635/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,296/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$853/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,002
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$816/mo
Today · 4.125%
HK$31,623
baseline
▲ 0.50% · 4.625%
HK$33,290
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,246/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,053 · 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).