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$15,088
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$476/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$17,010
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,786
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$456/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,106
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$572/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$548/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$667/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$639/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,159
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,004
−HK$858/mo
Today · 4.125%
HK$28,862
baseline
▲ 0.50% · 4.625%
HK$30,618
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,724/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,214
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,024
−HK$822/mo
Today · 4.125%
HK$31,846
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,692/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,691 · 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).