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$15,021
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$474/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$455/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,026
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,586
−HK$570/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,053
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$546/mo
Today · 4.125%
HK$21,137
baseline
▲ 0.50% · 4.625%
HK$22,251
+HK$1,114/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$665/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$637/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$854/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,080
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$818/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,760 · 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).