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$15,123
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$478/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,276
−HK$458/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$934/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$573/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$549/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$670/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$641/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$860/mo
Today · 4.125%
HK$28,929
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,858/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,284
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,097
−HK$824/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,603
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,234 · 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).