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$15,015
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,482
−HK$475/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,152
−HK$455/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,018
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$569/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,296/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,045
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$545/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$665/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$637/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,299/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$854/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,748/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,068
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$818/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,363
+HK$1,671/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,493 · 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).