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$15,016
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$474/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$454/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,019
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,579
−HK$570/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$546/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,022
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,676
−HK$664/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$636/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$854/mo
Today · 4.125%
HK$28,723
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,446/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$818/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,510 · 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).