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$17,035
+HK$978/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$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,810
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$457/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,643 · 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$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$548/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$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$668/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$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,534
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$640/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$859/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,759/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$197,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$823/mo
Today · 4.125%
HK$31,892
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,784/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,643 · 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).