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$15,068
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$476/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,988
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$456/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,600
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$571/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,385
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,116
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$547/mo
Today · 4.125%
HK$21,203
baseline
▲ 0.50% · 4.625%
HK$22,321
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,406/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$667/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$639/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$857/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,578
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,174
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$821/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,820 · 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).