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$15,155
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$479/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$459/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,752
−HK$575/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$550/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$670/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$643/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,128
−HK$862/mo
Today · 4.125%
HK$28,990
baseline
▲ 0.50% · 4.625%
HK$30,754
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,980/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,348
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$826/mo
Today · 4.125%
HK$31,988
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,976/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,391 · 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).