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$15,068
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$477/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$456/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,600
+HK$932/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$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,081
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$571/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$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$547/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$667/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$639/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$858/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,753/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$821/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,789 · 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).