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$15,149
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$479/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$17,078
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,853
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$458/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$574/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,494
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$550/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,208
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$670/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,909
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$642/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$861/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,764/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$826/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,301 · 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).