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$15,154
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$479/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,208/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$458/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$575/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,501
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,773
−HK$550/mo
Today · 4.125%
HK$21,323
baseline
▲ 0.50% · 4.625%
HK$22,447
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,646/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,216
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$671/mo
Today · 4.125%
HK$22,546
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,092/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,602
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$642/mo
Today · 4.125%
HK$24,877
baseline
▲ 0.50% · 4.625%
HK$26,188
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,754/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$862/mo
Today · 4.125%
HK$28,988
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,763/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,976/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$826/mo
Today · 4.125%
HK$31,985
baseline
▲ 0.50% · 4.625%
HK$33,671
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,970/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,372 · 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).