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$15,160
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$479/mo
Today · 4.125%
HK$16,110
baseline
▲ 0.50% · 4.625%
HK$17,091
+HK$981/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,220/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,317
−HK$459/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$575/mo
Today · 4.125%
HK$19,333
baseline
▲ 0.50% · 4.625%
HK$20,509
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,666/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$551/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,224
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$671/mo
Today · 4.125%
HK$22,555
baseline
▲ 0.50% · 4.625%
HK$23,927
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,110/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$643/mo
Today · 4.125%
HK$24,887
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,774/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,136
−HK$863/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,763
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,171
−HK$826/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,994/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,449 · 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).