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$15,146
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$479/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,192/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,850
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$458/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$574/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,490
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$550/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$670/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$641/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,263
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,111
−HK$862/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$825/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,654
+HK$1,686/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,229 · 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).