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$15,043
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$475/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,959
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$456/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,280/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,052
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$571/mo
Today · 4.125%
HK$19,184
baseline
▲ 0.50% · 4.625%
HK$20,351
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,368/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,621
−HK$546/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,060
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,715
−HK$666/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,762/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,429
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,058
−HK$637/mo
Today · 4.125%
HK$24,695
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,390/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$856/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,124
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$819/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,713 · 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).