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$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$478/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,797
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,119
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$573/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,697
−HK$549/mo
Today · 4.125%
HK$21,246
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,492/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$668/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$640/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,178
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$859/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$823/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,155 · 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).