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$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$477/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$573/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$549/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,139
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$668/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,517
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$640/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$859/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,641
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,236
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$823/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,550
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,180 · 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).