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$15,049
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$476/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,966
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,742
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$456/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$571/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$547/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$666/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$637/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$856/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,136
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$820/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,982 · 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).