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$15,037
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$475/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$455/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,562
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,606
−HK$570/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$546/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,052
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,707
−HK$665/mo
Today · 4.125%
HK$22,372
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,744/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,420
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$637/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,067
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$855/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,514
+HK$1,750/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,111
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$819/mo
Today · 4.125%
HK$31,738
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,673/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$63,476/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,445 · 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).