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$945/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$476/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$976/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$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,229
−HK$457/mo
Today · 4.125%
HK$17,686
baseline
▲ 0.50% · 4.625%
HK$18,618
+HK$932/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$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,099
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$572/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,675
−HK$548/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$668/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,121
−HK$639/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$858/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,607
+HK$1,756/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,203
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,013
−HK$821/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,512
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,441 · 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).