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$15,024
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$475/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,932/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,714
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$455/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,545
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,028
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$570/mo
Today · 4.125%
HK$19,159
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,318/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,594
−HK$546/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,114/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$665/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$636/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$854/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,085
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$819/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,858 · 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).