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$15,161
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$480/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$459/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$575/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$551/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$671/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,373/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$643/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$863/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$826/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,463 · 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).