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$15,136
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$478/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$458/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$574/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,174/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$550/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,122/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,849
−HK$670/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,889
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,574
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$641/mo
Today · 4.125%
HK$24,847
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,694/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$861/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$825/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,684/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,775 · 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).