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$15,048
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$476/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$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,741
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,190
−HK$455/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,575
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,058
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$571/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,089
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$546/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,322/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$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$638/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$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$856/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,134
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$820/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,932 · 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).