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$15,137
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$478/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$458/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$574/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$550/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,422
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,191
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,851
−HK$669/mo
Today · 4.125%
HK$22,520
baseline
▲ 0.50% · 4.625%
HK$23,891
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,040/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,575
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$641/mo
Today · 4.125%
HK$24,849
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,698/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$861/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$825/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,819 · 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).