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$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$454/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$929/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$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,022
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$569/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$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$545/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$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$664/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,360/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$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$637/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$25,954
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$854/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$819/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,624 · 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).