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$15,143
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$478/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$17,071
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$458/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,736
−HK$575/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,486
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,215
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$550/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,430
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,859
−HK$670/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$642/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$862/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,323
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$825/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$199,073 · 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).