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$15,096
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$477/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,794
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$457/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,115
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,679
−HK$572/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$548/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$668/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$640/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,173
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,018
−HK$859/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$823/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,033 · 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).