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$15,123
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$478/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,824
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$458/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$574/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$550/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,172
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$669/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,554
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$640/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$860/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,689
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,096
−HK$824/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,215 · 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).