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$15,042
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,510
−HK$476/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,183
−HK$456/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,568
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,051
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$571/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,350
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,620
−HK$546/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,715
−HK$665/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,742
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,428
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$637/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$25,996
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$855/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$820/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,423
+HK$1,673/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,684 · 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).