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$15,027
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$455/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,033
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$570/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$545/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,260
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$665/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,718
+HK$1,360/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,405
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$637/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$855/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,092
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,899
−HK$819/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,026 · 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).