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$15,161
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$479/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$981/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$459/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$575/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$551/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$671/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,928
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$642/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,200
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$862/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$826/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,461 · 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).