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$15,075
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$477/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,995
+HK$974/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$456/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$572/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,169/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$548/mo
Today · 4.125%
HK$21,213
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,426/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$667/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,794
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$639/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$858/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,592
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,188
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$822/mo
Today · 4.125%
HK$31,819
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,638/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,120 · 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).