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$15,010
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$475/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,922
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,904/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,699
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$454/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,012
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$569/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$545/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$664/mo
Today · 4.125%
HK$22,332
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,359/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,664/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$636/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,299/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,019
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$854/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,747/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,058
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$818/mo
Today · 4.125%
HK$31,682
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,364/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,275 · 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).