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$15,072
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$476/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$456/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$932/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,086
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$572/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$547/mo
Today · 4.125%
HK$21,208
baseline
▲ 0.50% · 4.625%
HK$22,326
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,757
−HK$667/mo
Today · 4.125%
HK$22,424
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,848/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,104
−HK$639/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$857/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,991
−HK$821/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,982 · 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).