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$14,995
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$474/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,682
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$454/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,510
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$568/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$545/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$663/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,667
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,981
−HK$635/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,830
−HK$853/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,832
−HK$817/mo
Today · 4.125%
HK$31,649
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,298/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,598 · 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).