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$15,067
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$476/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,024/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,762
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$456/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,643
−HK$572/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$547/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$667/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,467
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$638/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,121
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$857/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,172
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$821/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,775 · 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).