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$15,130
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$478/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$458/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,156
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,720
−HK$574/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$549/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,840
−HK$670/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,879
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$641/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,147
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,233
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$861/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,761/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,109
−HK$825/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,683/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,507 · 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).