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$15,112
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$477/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$458/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,440/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$573/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$549/mo
Today · 4.125%
HK$21,264
baseline
▲ 0.50% · 4.625%
HK$22,385
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,528/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,156
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,814
−HK$669/mo
Today · 4.125%
HK$22,483
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,966/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$641/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$860/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,261
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$824/mo
Today · 4.125%
HK$31,896
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,792/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,714 · 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).