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$15,029
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$475/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$455/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,246/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,035
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$570/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,063
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$545/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$665/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,407
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$637/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$855/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,095
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$819/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,091 · 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).