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$15,147
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$479/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$458/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$574/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$551/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$671/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$642/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,113
−HK$861/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$825/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,686/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,268 · 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).