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$15,114
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$478/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$458/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,701
−HK$573/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$549/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$668/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,972/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$641/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,205
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$860/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$824/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,681/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,819 · 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).