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$15,047
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$476/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,740
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$455/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$571/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$547/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$666/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$638/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$856/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,131
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$820/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,880 · 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).