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$15,091
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$976/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$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,788
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$456/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$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,109
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,672
−HK$573/mo
Today · 4.125%
HK$19,245
baseline
▲ 0.50% · 4.625%
HK$20,416
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,490/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$548/mo
Today · 4.125%
HK$21,234
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,120/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$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,127
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$668/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$640/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,305/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$859/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$822/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,804 · 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).