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$15,083
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$477/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,780
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$456/mo
Today · 4.125%
HK$17,686
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,372/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,100
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$572/mo
Today · 4.125%
HK$19,235
baseline
▲ 0.50% · 4.625%
HK$20,405
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,470/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,136
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,676
−HK$548/mo
Today · 4.125%
HK$21,224
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,118/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,448/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,773
−HK$668/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,492
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$639/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,150
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$858/mo
Today · 4.125%
HK$28,852
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,756/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,704/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,204
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,014
−HK$821/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,679/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,465 · 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).