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$15,135
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$479/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$458/mo
Today · 4.125%
HK$17,747
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,494/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$574/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,475
+HK$1,175/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$550/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,123/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,188
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$670/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$641/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$861/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,712
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,900/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,307
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$825/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,628
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,720 · 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).