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$15,033
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$475/mo
Today · 4.125%
HK$15,976
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,952/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,725
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$455/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,040
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$570/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$546/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$666/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$855/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,507
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$819/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,288 · 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).