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$947/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$477/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$978/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$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$457/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$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$574/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,172/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$197,799 · 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$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$669/mo
Today · 4.125%
HK$22,486
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,368/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$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$641/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,119
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$859/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$197,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,076
−HK$824/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,681/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,799 · 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).