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$15,058
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,526
−HK$476/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,004/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,752
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$456/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,070
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$571/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,102
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$547/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$666/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,766
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$638/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$857/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,557
+HK$1,753/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,153
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$820/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,676/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,362 · 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).