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$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$476/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$455/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,045
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,607
−HK$570/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,614
−HK$546/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$665/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,734
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$637/mo
Today · 4.125%
HK$24,686
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,372/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$855/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,516
+HK$1,751/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,113
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$820/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,673/mo
Deposit HK$659K · loan HK$5.94M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,475 · 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).