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$15,105
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$478/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$17,028
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,104/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,804
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$458/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,645
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,126
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$573/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,164
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$549/mo
Today · 4.125%
HK$21,254
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,508/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$668/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$640/mo
Today · 4.125%
HK$24,796
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,592/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$859/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,058
−HK$823/mo
Today · 4.125%
HK$31,881
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,762/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,408 · 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).