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$193,089 · 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$18,524
+HK$928/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$193,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,007
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$570/mo
Today · 4.125%
HK$19,137
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,274/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,089 · 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$193,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,009
−HK$1,317/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$193,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$636/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,851
−HK$854/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$818/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$193,089 · 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).