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$15,094
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$477/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,792
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$457/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,112
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$572/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$549/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,131
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$668/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$639/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,169
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,014
−HK$858/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,629
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,225
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$823/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,537
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,931 · 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).