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$15,106
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$477/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$457/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$572/mo
Today · 4.125%
HK$19,263
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,526/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$548/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,148
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,806
−HK$668/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,527
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,158
−HK$640/mo
Today · 4.125%
HK$24,798
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,596/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,190
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$859/mo
Today · 4.125%
HK$28,895
baseline
▲ 0.50% · 4.625%
HK$30,653
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,790/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$823/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,681/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,454 · 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).