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$15,157
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$479/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$981/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$459/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,188
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$575/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$551/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$670/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,373/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$642/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,131
−HK$862/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,758
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$825/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,412 · 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).