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$15,025
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$475/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,934/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$455/mo
Today · 4.125%
HK$17,618
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,236/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,030
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$570/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,326
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,058
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,596
−HK$545/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$665/mo
Today · 4.125%
HK$22,354
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,708/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$637/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,886
−HK$854/mo
Today · 4.125%
HK$28,740
baseline
▲ 0.50% · 4.625%
HK$30,489
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,480/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,087
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,893
−HK$819/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,902 · 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).