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$15,065
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$477/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,020/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,759
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$456/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,330/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,078
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$571/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$547/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$666/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$638/mo
Today · 4.125%
HK$24,731
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,462/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$857/mo
Today · 4.125%
HK$28,817
baseline
▲ 0.50% · 4.625%
HK$30,571
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,634/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,167
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,976
−HK$821/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,664 · 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).