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$15,110
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$477/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,809
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$457/mo
Today · 4.125%
HK$17,717
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,434/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$573/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,441
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$549/mo
Today · 4.125%
HK$21,261
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,522/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$669/mo
Today · 4.125%
HK$22,480
baseline
▲ 0.50% · 4.625%
HK$23,848
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,960/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,164
−HK$640/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$860/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,628 · 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).