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$15,141
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$479/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,845
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$458/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,170
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$574/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$550/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$670/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$642/mo
Today · 4.125%
HK$24,857
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,714/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,255
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$862/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,321
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,134
−HK$825/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,684/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,026 · 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).