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$15,121
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$478/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$977/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,140/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,822
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$458/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,146
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,710
−HK$573/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$549/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$669/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,551
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$641/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$860/mo
Today · 4.125%
HK$28,925
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,850/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,280
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$824/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,142 · 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).