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$15,129
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$478/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,831
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$458/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$574/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,197
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,739
−HK$549/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,181
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$670/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$641/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$861/mo
Today · 4.125%
HK$28,940
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,880/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$824/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,476 · 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).