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$15,108
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$478/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,808
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$457/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$573/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$549/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,380
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$669/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$640/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$859/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,659
+HK$1,759/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,065
−HK$824/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,680/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,569 · 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).