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$15,115
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$478/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,816
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$457/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,448/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,138
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$574/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,720
−HK$549/mo
Today · 4.125%
HK$21,269
baseline
▲ 0.50% · 4.625%
HK$22,390
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,538/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,161
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$668/mo
Today · 4.125%
HK$22,488
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,976/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$641/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$860/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,268
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$823/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,874 · 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).