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$15,081
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$476/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,777
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$456/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,097
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$571/mo
Today · 4.125%
HK$19,231
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,462/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,132
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$548/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$668/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$639/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,989
−HK$858/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$822/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,353 · 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).