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$15,077
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$476/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$456/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,092
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,655
−HK$572/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,454/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$548/mo
Today · 4.125%
HK$21,215
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,430/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,764
−HK$667/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$639/mo
Today · 4.125%
HK$24,751
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,502/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,138
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,983
−HK$857/mo
Today · 4.125%
HK$28,840
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,680/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,191
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,001
−HK$821/mo
Today · 4.125%
HK$31,822
baseline
▲ 0.50% · 4.625%
HK$33,500
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,644/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,194 · 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).