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$15,052
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$476/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,969
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,745
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,194
−HK$456/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,062
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$571/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$547/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$666/mo
Today · 4.125%
HK$22,394
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,788/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,443
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$638/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$856/mo
Today · 4.125%
HK$28,792
baseline
▲ 0.50% · 4.625%
HK$30,544
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,584/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$820/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,095 · 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).