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$15,111
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,581
−HK$478/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$457/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$573/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,443
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,173
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$549/mo
Today · 4.125%
HK$21,263
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,526/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$668/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$640/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,200
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$860/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,759/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,260
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$823/mo
Today · 4.125%
HK$31,895
baseline
▲ 0.50% · 4.625%
HK$33,576
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,790/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,702 · 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).