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$15,071
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$476/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$456/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$932/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$571/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$548/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$667/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$639/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$857/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$821/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,935 · 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).