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$14,987
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$473/mo
Today · 4.125%
HK$15,926
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,852/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,672
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$453/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,984
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$569/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$545/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$663/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$635/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$852/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,745/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$817/mo
Today · 4.125%
HK$31,632
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,667/mo
Deposit HK$657K · loan HK$5.92M · min. income ≈ HK$63,264/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,230 · 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).