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$15,044
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,512
−HK$476/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,960
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,736
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$456/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,053
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,614
−HK$571/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,352
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$547/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,062
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$666/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$638/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$856/mo
Today · 4.125%
HK$28,778
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,556/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,126
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$819/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,427
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,756 · 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).