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$15,055
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$476/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$456/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$570/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,638
−HK$547/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,733
−HK$666/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,762
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,449
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$638/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,018
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$856/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,753/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,148
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$820/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,253 · 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).