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$15,028
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$928/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$570/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,062
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$546/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$665/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$637/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$854/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,093
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$819/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,391
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,043 · 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).