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$15,086
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,555
−HK$477/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,783
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$457/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,622
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,103
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,666
−HK$573/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$548/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$668/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,366/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$639/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$858/mo
Today · 4.125%
HK$28,858
baseline
▲ 0.50% · 4.625%
HK$30,614
+HK$1,756/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,716/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$822/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,678/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,596 · 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).