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$15,070
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$476/mo
Today · 4.125%
HK$16,015
baseline
▲ 0.50% · 4.625%
HK$16,990
+HK$975/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,030/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$456/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$932/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,084
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$571/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$548/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$666/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$639/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$858/mo
Today · 4.125%
HK$28,828
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,656/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$821/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$195,902 · 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).