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$15,057
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,526
−HK$475/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,975
+HK$974/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,002/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$456/mo
Today · 4.125%
HK$17,656
baseline
▲ 0.50% · 4.625%
HK$18,587
+HK$931/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,312/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,069
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$571/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$547/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,080
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$666/mo
Today · 4.125%
HK$22,402
baseline
▲ 0.50% · 4.625%
HK$23,765
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,804/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,451
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$638/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,303/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$857/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,752/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,152
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$820/mo
Today · 4.125%
HK$31,781
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,562/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,333 · 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).