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$15,128
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$478/mo
Today · 4.125%
HK$16,076
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,152/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,829
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$458/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$574/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$549/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,179
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,838
−HK$669/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$641/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,230
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,077
−HK$860/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,698
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$825/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,613
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,423 · 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).