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$15,120
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$478/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,136/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$458/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$934/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,144
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$574/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,455
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,185
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$550/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,397
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$669/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,864
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,549
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$640/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,130
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$860/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$824/mo
Today · 4.125%
HK$31,913
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,826/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,082 · 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).