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$15,071
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$477/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,767
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$456/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,648
−HK$572/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,389
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$547/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$667/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,788
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,474
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$639/mo
Today · 4.125%
HK$24,742
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,484/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$858/mo
Today · 4.125%
HK$28,830
baseline
▲ 0.50% · 4.625%
HK$30,584
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,660/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$821/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,955 · 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).