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$15,007
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$474/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,896/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,695
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$454/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$569/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$545/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,010
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$664/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$636/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,013
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$853/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$818/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,126 · 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).