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$15,116
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$478/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$978/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$457/mo
Today · 4.125%
HK$17,725
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$935/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,450/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$573/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$549/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$640/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,056
−HK$860/mo
Today · 4.125%
HK$28,916
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,832/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,270
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$823/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,587
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,920 · 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).