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$15,157
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$479/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$458/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$575/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$551/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$671/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$643/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$862/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$826/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,415 · 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).