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$15,084
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$477/mo
Today · 4.125%
HK$16,030
baseline
▲ 0.50% · 4.625%
HK$17,005
+HK$975/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,060/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$456/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,374/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,101
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$572/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,406
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$548/mo
Today · 4.125%
HK$21,225
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$668/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,365/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,493
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,123
−HK$639/mo
Today · 4.125%
HK$24,762
baseline
▲ 0.50% · 4.625%
HK$26,067
+HK$1,305/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,524/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,151
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$858/mo
Today · 4.125%
HK$28,854
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,755/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,708/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,205
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$822/mo
Today · 4.125%
HK$31,837
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,678/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,674/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,501 · 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).