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$15,056
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$475/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,750
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$456/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,068
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$571/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,100
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$547/mo
Today · 4.125%
HK$21,186
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,372/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$667/mo
Today · 4.125%
HK$22,401
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,802/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$638/mo
Today · 4.125%
HK$24,717
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,434/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$857/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$820/mo
Today · 4.125%
HK$31,779
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,558/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,289 · 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).