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$15,039
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$475/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,964/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$455/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,047
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$571/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$546/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$665/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$637/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$855/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,116
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$819/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,416
+HK$1,673/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,542 · 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).