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$15,003
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$474/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,888/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,691
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$454/mo
Today · 4.125%
HK$17,593
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,186/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,004
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$569/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,266/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,029
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$545/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,658
−HK$664/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$636/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$25,928
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$854/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$817/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,972 · 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).