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$15,076
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,545
−HK$476/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,222
−HK$456/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,091
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$572/mo
Today · 4.125%
HK$19,226
baseline
▲ 0.50% · 4.625%
HK$20,396
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,452/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,666
−HK$548/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$667/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$639/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,981
−HK$858/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$822/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,498
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,156 · 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).