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$15,100
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$477/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$457/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,120
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,684
−HK$572/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,172/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$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$548/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,120/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$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$668/mo
Today · 4.125%
HK$22,466
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,932/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$640/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$858/mo
Today · 4.125%
HK$28,884
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,768/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,238
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,048
−HK$823/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,208 · 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).