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$15,012
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$474/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,700
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$454/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,014
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,574
−HK$570/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$545/mo
Today · 4.125%
HK$21,123
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,246/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$664/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,693
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,380
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$636/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$25,942
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,021
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,861
−HK$854/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,748/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,060
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$817/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,671/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,328 · 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).