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$15,046
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$476/mo
Today · 4.125%
HK$15,990
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,980/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$455/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$571/mo
Today · 4.125%
HK$19,188
baseline
▲ 0.50% · 4.625%
HK$20,355
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,376/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$547/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$665/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$637/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$856/mo
Today · 4.125%
HK$28,781
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,562/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$819/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,842 · 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).