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$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$479/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$458/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$574/mo
Today · 4.125%
HK$19,297
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,594/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,201
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$550/mo
Today · 4.125%
HK$21,292
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,584/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,843
−HK$670/mo
Today · 4.125%
HK$22,513
baseline
▲ 0.50% · 4.625%
HK$23,883
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,026/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$642/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,084
−HK$861/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,761/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,301
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$825/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,683/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,593 · 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).