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$15,155
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$479/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$459/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,186
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,752
−HK$574/mo
Today · 4.125%
HK$19,326
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,652/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$551/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$671/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$642/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$825/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,386 · 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).