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$15,124
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$478/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$17,050
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,825
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,276
−HK$458/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$574/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$549/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,174
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$669/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$641/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,223
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$860/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,256 · 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).