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$15,028
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,551
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$569/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,062
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$546/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,694
−HK$665/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$636/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$855/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$819/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,050 · 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).