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$15,108
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$478/mo
Today · 4.125%
HK$16,055
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,110/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,807
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$457/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,129
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$573/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$549/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,151
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,808
−HK$669/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,845
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,530
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$640/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,194
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$860/mo
Today · 4.125%
HK$28,899
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,798/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,253
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,064
−HK$823/mo
Today · 4.125%
HK$31,887
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,774/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,536 · 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).