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$942/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$475/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$455/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,038
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$570/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,067
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$546/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,266
+HK$1,115/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$665/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,039
−HK$637/mo
Today · 4.125%
HK$24,676
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,352/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$856/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$819/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,206 · 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).