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$15,017
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$474/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$454/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$929/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$570/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$545/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$665/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,701
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,684/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$637/mo
Today · 4.125%
HK$24,652
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,304/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,030
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,871
−HK$854/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$818/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,549 · 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).