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$15,040
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$475/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$455/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$570/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$547/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$665/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,424
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$638/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$855/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$820/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,417
+HK$1,673/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,562 · 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).