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$15,111
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,581
−HK$477/mo
Today · 4.125%
HK$16,058
baseline
▲ 0.50% · 4.625%
HK$17,035
+HK$977/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,116/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,810
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$458/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$934/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$573/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$549/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$668/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,849
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$640/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,199
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$860/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,663
+HK$1,758/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$823/mo
Today · 4.125%
HK$31,893
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,682/mo
Deposit HK$663K · loan HK$5.96M · min. income ≈ HK$63,786/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,671 · 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).