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$15,019
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$475/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$455/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,023
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$570/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$545/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$665/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,705
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,392
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$636/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,300/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$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,034
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$854/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,882
−HK$818/mo
Today · 4.125%
HK$31,700
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,400/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,648 · 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).