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$15,131
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,601
−HK$479/mo
Today · 4.125%
HK$16,080
baseline
▲ 0.50% · 4.625%
HK$17,058
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,160/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,833
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$458/mo
Today · 4.125%
HK$17,742
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,484/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,157
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$573/mo
Today · 4.125%
HK$19,295
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,175/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$550/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$669/mo
Today · 4.125%
HK$22,511
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,022/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$641/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,082
−HK$861/mo
Today · 4.125%
HK$28,943
baseline
▲ 0.50% · 4.625%
HK$30,704
+HK$1,761/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,886/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,299
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$824/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,683/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,554 · 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).