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$15,108
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$477/mo
Today · 4.125%
HK$16,055
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,110/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,807
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$457/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,130
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$573/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$549/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,151
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$668/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,845
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,530
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$641/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,109
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,194
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,040
−HK$860/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,658
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,253
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,065
−HK$823/mo
Today · 4.125%
HK$31,888
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,776/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,555 · 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).