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$15,078
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$476/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,046/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,774
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$456/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,093
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$572/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,170/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$548/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,334
+HK$1,118/mo
Deposit HK$2.64M · loan HK$3.97M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$668/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$639/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$858/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,597
+HK$1,755/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,193
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$821/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,678/mo
Deposit HK$661K · loan HK$5.95M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$196,229 · 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).