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$15,089
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$477/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,070/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,786
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$457/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,107
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$572/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,413
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$548/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$667/mo
Today · 4.125%
HK$22,449
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,898/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$639/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$858/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,619
+HK$1,756/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,026
−HK$822/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,526
+HK$1,678/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,718 · 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).