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$15,149
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$479/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,853
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$459/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,700
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,179
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$575/mo
Today · 4.125%
HK$19,319
baseline
▲ 0.50% · 4.625%
HK$20,494
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,638/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,224
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$551/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,440
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$671/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$642/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,117
−HK$861/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,742
+HK$1,764/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,336
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$826/mo
Today · 4.125%
HK$31,975
baseline
▲ 0.50% · 4.625%
HK$33,660
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,950/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,308 · 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).