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$15,062
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$476/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,014/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,757
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$456/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,075
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,108
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$667/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$638/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$857/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,753/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,162
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$821/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,561 · 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).