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$15,088
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$477/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,785
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$457/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,105
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$573/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$548/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,123
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,780
−HK$667/mo
Today · 4.125%
HK$22,447
baseline
▲ 0.50% · 4.625%
HK$23,813
+HK$1,366/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,894/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,499
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,129
−HK$639/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,306/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$859/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,756/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$822/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,679/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,664 · 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).