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$15,151
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$478/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,856
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$458/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,182
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$575/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,227
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$551/mo
Today · 4.125%
HK$21,320
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,640/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$670/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,598
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$642/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$862/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$825/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,665
+HK$1,686/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,337 · 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).