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$946/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$477/mo
Today · 4.125%
HK$16,036
baseline
▲ 0.50% · 4.625%
HK$17,012
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,072/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,787
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$457/mo
Today · 4.125%
HK$17,694
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,388/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,108
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$572/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$548/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,126
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,783
−HK$667/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,816
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$640/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,077
+HK$1,305/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,161
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$859/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$822/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,755 · 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).