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$15,135
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,606
−HK$478/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$459/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,727
−HK$574/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,205
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$550/mo
Today · 4.125%
HK$21,297
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,594/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,189
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$669/mo
Today · 4.125%
HK$22,518
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,036/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,573
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,205
−HK$642/mo
Today · 4.125%
HK$24,847
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,694/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$861/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,308
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,121
−HK$825/mo
Today · 4.125%
HK$31,946
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,892/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,755 · 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).