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$943/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$475/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$455/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,616
−HK$571/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,624
−HK$547/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,287
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$666/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,362/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$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,062
−HK$637/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$856/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$820/mo
Today · 4.125%
HK$31,756
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,512/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,819 · 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).