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$15,076
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,545
−HK$476/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$457/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$931/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,091
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$571/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,666
−HK$547/mo
Today · 4.125%
HK$21,213
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,426/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$667/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$639/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$858/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,998
−HK$822/mo
Today · 4.125%
HK$31,820
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,640/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,139 · 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).