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$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$457/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$549/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,834
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$639/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$860/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,644
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$822/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,681/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,255 · 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).