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$15,082
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$477/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,229
−HK$456/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,099
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$572/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$548/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$667/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,120
−HK$639/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$858/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,756/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,202
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,012
−HK$821/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,421 · 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).