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$15,141
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$478/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,844
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,296
−HK$458/mo
Today · 4.125%
HK$17,754
baseline
▲ 0.50% · 4.625%
HK$18,690
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,508/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,169
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$575/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,174/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$550/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$670/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$642/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$861/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,725
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$825/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,684/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,006 · 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).