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$15,078
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$477/mo
Today · 4.125%
HK$16,024
baseline
▲ 0.50% · 4.625%
HK$16,999
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,048/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$457/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,094
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$571/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$548/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$667/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$639/mo
Today · 4.125%
HK$24,753
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,506/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$858/mo
Today · 4.125%
HK$28,843
baseline
▲ 0.50% · 4.625%
HK$30,598
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,686/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,194
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,004
−HK$821/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,503
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,250 · 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).