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$15,079
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$477/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,775
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,225
−HK$457/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,095
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$572/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,400
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$548/mo
Today · 4.125%
HK$21,218
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,118/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,436/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$667/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,366/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,485
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$639/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,142
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$858/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$822/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,286 · 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).