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$15,049
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$475/mo
Today · 4.125%
HK$15,992
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,984/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,741
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,190
−HK$456/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,576
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,292/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$571/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$547/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,723
−HK$666/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$637/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$856/mo
Today · 4.125%
HK$28,786
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,572/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,943
−HK$820/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,951 · 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).