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$15,030
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,497
−HK$475/mo
Today · 4.125%
HK$15,972
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,944/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$455/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,553
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,035
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$570/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$546/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,263
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$665/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$637/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$25,974
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$855/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$818/mo
Today · 4.125%
HK$31,722
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,673/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,444/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,118 · 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).