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$15,059
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$476/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,977
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$455/mo
Today · 4.125%
HK$17,658
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,316/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,071
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,633
−HK$571/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$547/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$666/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$638/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,950
−HK$857/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,559
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$820/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,461
+HK$1,676/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,421 · 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).