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$15,140
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$478/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$458/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,506/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,168
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,482
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,212
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$550/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,427
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,196
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$670/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$641/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$861/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,317
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$825/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,957 · 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).