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$15,035
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$476/mo
Today · 4.125%
HK$15,978
baseline
▲ 0.50% · 4.625%
HK$16,950
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,956/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$455/mo
Today · 4.125%
HK$17,630
baseline
▲ 0.50% · 4.625%
HK$18,559
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,260/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,042
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$570/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$547/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,049
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$666/mo
Today · 4.125%
HK$22,369
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,738/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$637/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,062
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$856/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,509
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,107
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$819/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,673/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,343 · 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).