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$948/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$478/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$458/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$573/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$548/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,149
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$668/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,950/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$640/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,037
−HK$859/mo
Today · 4.125%
HK$28,896
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,759/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,792/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,250
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,061
−HK$823/mo
Today · 4.125%
HK$31,884
baseline
▲ 0.50% · 4.625%
HK$33,565
+HK$1,681/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,768/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,483 · 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).