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$15,085
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$477/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$456/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,101
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$572/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$548/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,118
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$668/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,808
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$639/mo
Today · 4.125%
HK$24,763
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,306/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,526/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,997
−HK$858/mo
Today · 4.125%
HK$28,855
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,756/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,710/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$822/mo
Today · 4.125%
HK$31,839
baseline
▲ 0.50% · 4.625%
HK$33,517
+HK$1,678/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,678/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,530 · 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).