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$15,026
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$475/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,936/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$455/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$928/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$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,031
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,592
−HK$570/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$545/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$665/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$636/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,888
−HK$855/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,492
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,896
−HK$819/mo
Today · 4.125%
HK$31,715
baseline
▲ 0.50% · 4.625%
HK$33,387
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,430/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,966 · 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).