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$15,027
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$475/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,717
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$454/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$929/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$570/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,599
−HK$545/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$665/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$637/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$855/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$819/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,389
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,999 · 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).