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$15,018
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$475/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,920/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,707
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$455/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,220/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,021
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,582
−HK$570/mo
Today · 4.125%
HK$19,152
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,304/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$546/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,025
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$665/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$637/mo
Today · 4.125%
HK$24,654
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,308/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$854/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,073
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$818/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,606 · 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).