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$15,067
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$476/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,986
+HK$975/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$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,761
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$456/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,080
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$572/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,114
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$547/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,118/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$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,749
−HK$667/mo
Today · 4.125%
HK$22,416
baseline
▲ 0.50% · 4.625%
HK$23,780
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,832/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,466
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,095
−HK$639/mo
Today · 4.125%
HK$24,734
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,468/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$857/mo
Today · 4.125%
HK$28,820
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,640/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,170
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$820/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,739 · 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).