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$15,125
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$478/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$458/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$574/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,191
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$549/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,833
−HK$669/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,557
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$641/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,138
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,071
−HK$861/mo
Today · 4.125%
HK$28,932
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,760/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,864/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,287
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$824/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,291 · 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).