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$944/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$476/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$455/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$571/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,168/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$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$547/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,322/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$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,077
−HK$638/mo
Today · 4.125%
HK$24,715
baseline
▲ 0.50% · 4.625%
HK$26,018
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,430/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$856/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,753/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$820/mo
Today · 4.125%
HK$31,776
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,552/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,234 · 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).