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$15,143
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$479/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,847
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$458/mo
Today · 4.125%
HK$17,757
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,514/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,172
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$575/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$550/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$642/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,720/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$861/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,138
−HK$825/mo
Today · 4.125%
HK$31,963
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,684/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,926/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,109 · 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).