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$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$475/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,730
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$455/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,046
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$665/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$637/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$856/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,750/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$819/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,673/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,488 · 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).