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$15,010
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$474/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,922
+HK$971/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$193,247 · 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$193,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,012
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$569/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,165/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$193,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$545/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,114/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$193,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$664/mo
Today · 4.125%
HK$22,331
baseline
▲ 0.50% · 4.625%
HK$23,690
+HK$1,359/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$193,247 · 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$193,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$854/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$818/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,350
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,247 · 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).