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$15,158
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$479/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$981/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$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$459/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$575/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$551/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$671/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$643/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$862/mo
Today · 4.125%
HK$28,995
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,990/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$826/mo
Today · 4.125%
HK$31,993
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,986/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,423 · 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).