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$15,042
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,510
−HK$475/mo
Today · 4.125%
HK$15,985
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,970/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,734
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,183
−HK$455/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,568
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$570/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,081
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$547/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,714
−HK$665/mo
Today · 4.125%
HK$22,379
baseline
▲ 0.50% · 4.625%
HK$23,741
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,758/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,428
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,056
−HK$637/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$855/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,524
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,121
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$820/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,673/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,661 · 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).