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$15,097
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$477/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,795
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$457/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$573/mo
Today · 4.125%
HK$19,253
baseline
▲ 0.50% · 4.625%
HK$20,424
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,506/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$548/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,363
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$668/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,514
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$640/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,090
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,020
−HK$859/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,636
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$822/mo
Today · 4.125%
HK$31,865
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,730/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,081 · 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).