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$946/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$477/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$974/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$456/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,088
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$571/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$547/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$667/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$639/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$858/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$821/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,044 · 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).