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$15,006
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$474/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,694
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,142
−HK$454/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$569/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,033
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$545/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$664/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$636/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$853/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$817/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,078 · 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).