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$15,113
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$478/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$458/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,444/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$573/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$549/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$668/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$640/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$860/mo
Today · 4.125%
HK$28,910
baseline
▲ 0.50% · 4.625%
HK$30,669
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,820/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,264
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,076
−HK$823/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,790 · 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).