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$15,032
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$475/mo
Today · 4.125%
HK$15,975
baseline
▲ 0.50% · 4.625%
HK$16,947
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,950/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,723
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$455/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,039
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,600
−HK$570/mo
Today · 4.125%
HK$19,170
baseline
▲ 0.50% · 4.625%
HK$20,336
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,340/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,068
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,606
−HK$546/mo
Today · 4.125%
HK$21,152
baseline
▲ 0.50% · 4.625%
HK$22,267
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,304/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$665/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$637/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$855/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$819/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,232 · 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).