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$15,001
−HK$941/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$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$454/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,001
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$569/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$545/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$663/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$636/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,002
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$853/mo
Today · 4.125%
HK$28,695
baseline
▲ 0.50% · 4.625%
HK$30,441
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,390/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,845
−HK$817/mo
Today · 4.125%
HK$31,662
baseline
▲ 0.50% · 4.625%
HK$33,331
+HK$1,669/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,324/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,865 · 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).