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$15,053
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$476/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,970
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,994/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,746
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$456/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,063
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$571/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$547/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,729
−HK$666/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,758
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,444
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$638/mo
Today · 4.125%
HK$24,711
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,422/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$856/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$820/mo
Today · 4.125%
HK$31,771
baseline
▲ 0.50% · 4.625%
HK$33,446
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,542/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,129 · 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).