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$15,080
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$476/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,776
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$456/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,096
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$571/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,671
−HK$548/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,118/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$668/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$639/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$858/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,197
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$821/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,506
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,318 · 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).