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$15,119
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$478/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$17,045
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,134/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,820
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,271
−HK$457/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,663
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$573/mo
Today · 4.125%
HK$19,280
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,560/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,183
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$549/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,121/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$669/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,368/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$641/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$860/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$824/mo
Today · 4.125%
HK$31,911
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,822/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,031 · 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).