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$942/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$475/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,921
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,698
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$454/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,011
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,571
−HK$570/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$545/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,013
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$664/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,689
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,662/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,377
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$636/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$25,939
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$854/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,458
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,056
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,862
−HK$818/mo
Today · 4.125%
HK$31,680
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,360/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,229 · 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).