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$15,033
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$476/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,724
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$455/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$570/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$546/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,046
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$665/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$637/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,901
−HK$855/mo
Today · 4.125%
HK$28,756
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,512/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,103
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$819/mo
Today · 4.125%
HK$31,729
baseline
▲ 0.50% · 4.625%
HK$33,402
+HK$1,673/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,458/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,261 · 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).