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$15,062
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$476/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,014/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,756
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$456/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,074
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,108
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$547/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$666/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$638/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$857/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,753/mo
Deposit HK$661K · loan HK$5.94M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,161
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,970
−HK$821/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,676/mo
Deposit HK$661K · loan HK$5.94M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,541 · 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).