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$15,153
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$479/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,208/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,858
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$459/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,184
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$574/mo
Today · 4.125%
HK$19,324
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,648/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,229
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$550/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$670/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,601
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$642/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,276
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$862/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,750
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,344
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$826/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,670
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,364 · 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).