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$15,109
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$478/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,809
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$457/mo
Today · 4.125%
HK$17,717
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,434/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,131
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,695
−HK$573/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,170
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,711
−HK$549/mo
Today · 4.125%
HK$21,260
baseline
▲ 0.50% · 4.625%
HK$22,381
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,520/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$668/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,847
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$641/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$860/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$823/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,606 · 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).