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$15,052
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$475/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$455/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$570/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$546/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,729
−HK$666/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,444
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$637/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$856/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,142
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$820/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,116 · 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).