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$15,081
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$476/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$456/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,368/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,098
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$572/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,403
+HK$1,170/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$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$547/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,771
−HK$667/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$639/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$858/mo
Today · 4.125%
HK$28,849
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,698/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,200
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$822/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,510
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,393 · 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).