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$15,122
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$478/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,824
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$457/mo
Today · 4.125%
HK$17,732
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,464/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$574/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,188
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$549/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$669/mo
Today · 4.125%
HK$22,499
baseline
▲ 0.50% · 4.625%
HK$23,868
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,998/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,185
−HK$640/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,134
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,220
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,067
−HK$860/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,687
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$824/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,189 · 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).