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$15,008
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$475/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,919
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$454/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,009
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$569/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,165/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$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$545/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,664
−HK$664/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,374
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$636/mo
Today · 4.125%
HK$24,637
baseline
▲ 0.50% · 4.625%
HK$25,936
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,274/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,854
−HK$854/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,454
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,858
−HK$818/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,346
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,155 · 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).