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$15,136
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$478/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$459/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$574/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,477
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$549/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,191
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,850
−HK$670/mo
Today · 4.125%
HK$22,520
baseline
▲ 0.50% · 4.625%
HK$23,890
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,040/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,574
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$641/mo
Today · 4.125%
HK$24,848
baseline
▲ 0.50% · 4.625%
HK$26,158
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,696/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,245
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$861/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,761/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,310
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$825/mo
Today · 4.125%
HK$31,948
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,896/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,795 · 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).