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$15,054
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$476/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,972
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$455/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,065
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,627
−HK$571/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,366
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$547/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,076
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$666/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$637/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,016
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$857/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,549
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,954
−HK$820/mo
Today · 4.125%
HK$31,774
baseline
▲ 0.50% · 4.625%
HK$33,449
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,548/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,197 · 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).