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$15,117
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$478/mo
Today · 4.125%
HK$16,065
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,130/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,817
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$458/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$573/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,181
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$549/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$669/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$640/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$860/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,271
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$824/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,589
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,947 · 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).