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$15,081
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$477/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,777
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$457/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,368/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,097
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$572/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,464/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,133
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$547/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$667/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$639/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$858/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,199
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$822/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,366 · 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).