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$15,041
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$475/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$456/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,049
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$571/mo
Today · 4.125%
HK$19,181
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,362/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,618
−HK$546/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$666/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,739
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,426
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$637/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$25,993
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$855/mo
Today · 4.125%
HK$28,771
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,542/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,119
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$819/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,674/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,610 · 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).