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$15,012
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$474/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$454/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,575
−HK$569/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$546/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$664/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,381
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$636/mo
Today · 4.125%
HK$24,644
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,288/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$854/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,748/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,061
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$818/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,670/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,351 · 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).