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$15,023
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$475/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,930/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,713
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$455/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,232/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,588
−HK$570/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$546/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,114/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,032
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$665/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,711
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,398
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$636/mo
Today · 4.125%
HK$24,662
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,324/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$854/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$819/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,830 · 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).