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$15,097
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$477/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,795
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$457/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,116
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$572/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$549/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$668/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$639/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$859/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,231
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,042
−HK$822/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,544
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,063 · 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).