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$15,031
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$475/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$455/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,037
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$570/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$546/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$665/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,724
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$637/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$856/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$819/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,398
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,182 · 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).