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$15,064
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$476/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,018/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$456/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,328/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$572/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$547/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$666/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$639/mo
Today · 4.125%
HK$24,730
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,460/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$857/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,753/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$820/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,635 · 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).