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$15,066
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$476/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,761
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,210
−HK$456/mo
Today · 4.125%
HK$17,666
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,332/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,079
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$571/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,113
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$548/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$667/mo
Today · 4.125%
HK$22,415
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,830/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$639/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$821/mo
Today · 4.125%
HK$31,799
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,598/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,715 · 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).