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$15,068
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$476/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,026/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,763
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$456/mo
Today · 4.125%
HK$17,669
baseline
▲ 0.50% · 4.625%
HK$18,600
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$571/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,385
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,116
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$547/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$667/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$638/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,040
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$857/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$821/mo
Today · 4.125%
HK$31,804
baseline
▲ 0.50% · 4.625%
HK$33,480
+HK$1,676/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,608/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,802 · 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).