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$951/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$479/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$459/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$575/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,235
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$550/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,125/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$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$670/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$642/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$862/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,353
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$825/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,679
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,418 · 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).