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$15,161
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$479/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$459/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$575/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$551/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$671/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$642/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,139
−HK$863/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,766
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,360
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$826/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,687
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,468 · 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).