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$15,013
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$474/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,925
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$455/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,532
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$569/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,042
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$546/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,018
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$664/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,695
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,382
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$636/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$25,944
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,023
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$854/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,748/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$818/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,357
+HK$1,670/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,378 · 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).