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$15,156
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$479/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$459/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$575/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,504
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,233
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$550/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$671/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$642/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,281
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,129
−HK$862/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$826/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,398 · 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).