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$15,138
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$479/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$458/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,500/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,165
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$574/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$550/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$670/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,577
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$641/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,248
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$861/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,718
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,313
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$824/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,635
+HK$1,685/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,855 · 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).