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$15,016
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$475/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$455/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$569/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$545/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$665/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,682/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$637/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$855/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,747/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$819/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,670/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,518 · 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).