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$15,090
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,788
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,238
−HK$457/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,108
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$572/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,415
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,468/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$667/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,817
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,503
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,133
−HK$640/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$858/mo
Today · 4.125%
HK$28,866
baseline
▲ 0.50% · 4.625%
HK$30,622
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,732/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,218
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$822/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,783 · 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).