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$15,063
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$476/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$456/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,594
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,076
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$571/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,313
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$667/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$638/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$857/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,753/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$820/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,469
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,588 · 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).