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$14,985
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$474/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$453/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,982
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$569/mo
Today · 4.125%
HK$19,110
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,220/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,541
−HK$545/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,197
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$663/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$635/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$853/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$817/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,667/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,168 · 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).