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$948/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$478/mo
Today · 4.125%
HK$16,074
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,148/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,827
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$457/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,151
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$573/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$550/mo
Today · 4.125%
HK$21,284
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,568/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$669/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$641/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$861/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$825/mo
Today · 4.125%
HK$31,926
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,852/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,337 · 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).