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$15,009
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$475/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$454/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,010
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$569/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$545/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$664/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$636/mo
Today · 4.125%
HK$24,639
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,278/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$854/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,457
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$817/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,200 · 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).