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$15,020
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$474/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,709
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$455/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$570/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,308/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,051
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$545/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$665/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,393
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$637/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$855/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,076
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$818/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,679 · 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).