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$15,050
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$476/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,743
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$455/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,578
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,060
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$570/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,360
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$547/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$666/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,362/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,440
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$637/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$856/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,945
−HK$820/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,006 · 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).