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$15,633
−HK$480/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$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$912/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$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$575/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,512
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$550/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,475 · 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$23,930
+HK$1,372/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$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$642/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$863/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,764/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$199,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$826/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,686/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$199,475 · 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).