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$15,037
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$476/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,960/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,728
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$455/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,044
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$570/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,342
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$546/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$665/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$638/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,066
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,908
−HK$855/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$819/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,673/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,425 · 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).