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$15,588
−HK$477/mo
Today · 4.125%
HK$16,065
baseline
▲ 0.50% · 4.625%
HK$17,043
+HK$978/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$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,818
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$458/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,661
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,141
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$573/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,174/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$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$549/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,823
−HK$669/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,860
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$640/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$860/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$824/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,970 · 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).