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$15,102
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,572
−HK$477/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$17,026
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$457/mo
Today · 4.125%
HK$17,709
baseline
▲ 0.50% · 4.625%
HK$18,642
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,418/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,123
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$573/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,161
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$549/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,371
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,801
−HK$668/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,522
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$640/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$859/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,647
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,242
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,053
−HK$823/mo
Today · 4.125%
HK$31,876
baseline
▲ 0.50% · 4.625%
HK$33,556
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,752/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,306 · 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).