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$15,002
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$474/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,689
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$454/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,002
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$569/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,295
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,027
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$545/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$663/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,365
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$635/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,003
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,843
−HK$853/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,041
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$818/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,333
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,895 · 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).