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$16,972
+HK$973/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$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$456/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$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$570/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,218 · 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$22,300
+HK$1,116/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$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$666/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,761
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$638/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$857/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,752/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$195,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$820/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,218 · 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).