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$15,144
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$479/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$459/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,173
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$574/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$550/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$670/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,587
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$642/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,107
−HK$862/mo
Today · 4.125%
HK$28,969
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,938/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$825/mo
Today · 4.125%
HK$31,964
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,928/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,139 · 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).