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$15,040
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$475/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$455/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,048
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$570/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$546/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$666/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$638/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$855/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,521
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,926
−HK$819/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,590 · 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).