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$14,997
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$474/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$454/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,997
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,557
−HK$568/mo
Today · 4.125%
HK$19,125
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,250/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$545/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,996
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$664/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$636/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$853/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$817/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,702 · 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).