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$15,115
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$477/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$17,040
+HK$978/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,815
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$457/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,137
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$573/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,448
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$549/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,389
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$668/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,172
−HK$641/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,626/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,052
−HK$860/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$824/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,681/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,845 · 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).