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$15,093
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$477/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,790
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,241
−HK$457/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,111
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$572/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,418
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,689
−HK$548/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,787
−HK$668/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,821
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,137
−HK$640/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,167
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,012
−HK$858/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$823/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,885 · 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).