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$15,133
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$478/mo
Today · 4.125%
HK$16,082
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,164/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$458/mo
Today · 4.125%
HK$17,745
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,490/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,160
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$574/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$549/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,123/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$669/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$641/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$861/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,710
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$824/mo
Today · 4.125%
HK$31,941
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,882/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,668 · 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).