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$15,005
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$474/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,892/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,693
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$455/mo
Today · 4.125%
HK$17,595
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,190/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,006
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,566
−HK$569/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$545/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,007
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$664/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,683
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$636/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$853/mo
Today · 4.125%
HK$28,702
baseline
▲ 0.50% · 4.625%
HK$30,449
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,404/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,047
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$817/mo
Today · 4.125%
HK$31,670
baseline
▲ 0.50% · 4.625%
HK$33,340
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,340/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,036 · 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).