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$15,075
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$476/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,995
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,040/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$456/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,090
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$571/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$547/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$667/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$639/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,979
−HK$858/mo
Today · 4.125%
HK$28,837
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,754/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,674/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$821/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,677/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,109 · 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).