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$15,087
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$477/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$17,008
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,784
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$456/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$572/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$668/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,366/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,497
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$640/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,156
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$858/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,756/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,211
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$822/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,678/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,620 · 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).