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$15,060
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$476/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$456/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$571/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$547/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$667/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$639/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$857/mo
Today · 4.125%
HK$28,809
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,753/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,618/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$821/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,470 · 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).