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$15,162
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$479/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$459/mo
Today · 4.125%
HK$17,779
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,558/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$575/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,512
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$551/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,227
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$671/mo
Today · 4.125%
HK$22,558
baseline
▲ 0.50% · 4.625%
HK$23,931
+HK$1,373/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,116/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$643/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$862/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$826/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,689
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,480 · 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).