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$15,107
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,577
−HK$477/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$17,031
+HK$977/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$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$457/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,648
+HK$934/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$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,128
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$573/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,437
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$549/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$669/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$640/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,192
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$860/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$823/mo
Today · 4.125%
HK$31,886
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,680/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,772/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,507 · 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).