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$15,126
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$478/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$458/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$574/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$550/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,177
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$669/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,874
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,559
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$641/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,141
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$861/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$824/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,364 · 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).