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$15,092
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,561
−HK$477/mo
Today · 4.125%
HK$16,038
baseline
▲ 0.50% · 4.625%
HK$17,014
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,076/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$457/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,629
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,110
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$572/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,147
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$548/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$668/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$639/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,165
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$859/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,625
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,221
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$822/mo
Today · 4.125%
HK$31,854
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,708/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,850 · 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).