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$15,020
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$474/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$972/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,924/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,710
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,158
−HK$455/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$928/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,585
−HK$570/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,165/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$545/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,114/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,029
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$664/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$637/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$25,958
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,037
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,878
−HK$854/mo
Today · 4.125%
HK$28,732
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,748/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,464/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,078
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,885
−HK$818/mo
Today · 4.125%
HK$31,703
baseline
▲ 0.50% · 4.625%
HK$33,374
+HK$1,671/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,406/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$193,714 · 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).