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$942/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$475/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,918/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$455/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$569/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,166/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$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$546/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$664/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,360/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$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$636/mo
Today · 4.125%
HK$24,652
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,300/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$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,871
−HK$855/mo
Today · 4.125%
HK$28,726
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,452/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,071
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$818/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,367
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,566 · 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).