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$15,014
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$475/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,912/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$454/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,017
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,577
−HK$570/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,312
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,044
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$545/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,020
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$665/mo
Today · 4.125%
HK$22,338
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,359/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,676/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,384
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$636/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$25,947
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$854/mo
Today · 4.125%
HK$28,720
baseline
▲ 0.50% · 4.625%
HK$30,467
+HK$1,747/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$57,440/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$818/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,360
+HK$1,670/mo
Deposit HK$658K · loan HK$5.93M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,436 · 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).