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$15,036
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$475/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$455/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$570/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,342
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$546/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$665/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$637/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,907
−HK$856/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$820/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,412 · 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).