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$15,145
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$479/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,849
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$458/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$574/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$550/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$670/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$642/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$862/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,734
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$825/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,188 · 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).