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$15,047
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$475/mo
Today · 4.125%
HK$15,990
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,980/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,739
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$455/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,056
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,617
−HK$571/mo
Today · 4.125%
HK$19,188
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,376/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$546/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$666/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$638/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$856/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$820/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,860 · 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).