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$15,004
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$474/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,915
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,890/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,692
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$454/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,521
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,005
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,565
−HK$569/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$545/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$663/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,996
−HK$636/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,008
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,848
−HK$853/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,448
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,046
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,852
−HK$817/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,012 · 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).