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$944/mo
▼ 0.25% · 3.875%
HK$15,534
−HK$476/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,760
−HK$906/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$195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,079
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$571/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$547/mo
Today · 4.125%
HK$21,199
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,398/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,701 · 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$23,778
+HK$1,363/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$195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$638/mo
Today · 4.125%
HK$24,732
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,464/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,962
−HK$857/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,753/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$195,701 · 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$195,701 · 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).