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$15,118
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$477/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$458/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$934/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,142
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$574/mo
Today · 4.125%
HK$19,280
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,173/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,560/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,183
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$549/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$669/mo
Today · 4.125%
HK$22,493
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,986/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$641/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,308/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$861/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,759/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$824/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,682/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$198,011 · 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).