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$15,073
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$477/mo
Today · 4.125%
HK$16,018
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$974/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,036/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$456/mo
Today · 4.125%
HK$17,674
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,348/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,087
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$571/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,122
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$548/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,102
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$667/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$639/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,488/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$858/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,182
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$821/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,490
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,002 · 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).