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$15,008
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$475/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$455/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,010
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$569/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$545/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$664/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$636/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$854/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$818/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,188 · 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).