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$15,113
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$477/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,263
−HK$458/mo
Today · 4.125%
HK$17,721
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,442/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,135
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$573/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,445
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,175
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$549/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$668/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,538
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,169
−HK$640/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$859/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,667
+HK$1,759/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$824/mo
Today · 4.125%
HK$31,898
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,681/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,796/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$197,755 · 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).