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$15,056
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$476/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$455/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,067
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$571/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,638
−HK$547/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,302
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$666/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,449
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$638/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$857/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,552
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,149
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$820/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,270 · 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).