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$15,051
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$475/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$455/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,061
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$570/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,631
−HK$547/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,294
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,071
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,726
−HK$666/mo
Today · 4.125%
HK$22,392
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,784/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,441
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,070
−HK$638/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$856/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,139
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,947
−HK$820/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$195,044 · 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).