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$15,159
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,630
−HK$479/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,218/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,864
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$459/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$575/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$551/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,882
−HK$671/mo
Today · 4.125%
HK$22,553
baseline
▲ 0.50% · 4.625%
HK$23,925
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,106/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$642/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$863/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$826/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,434 · 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).