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$15,139
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$478/mo
Today · 4.125%
HK$16,088
baseline
▲ 0.50% · 4.625%
HK$17,067
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,176/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,842
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$458/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,504/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,167
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$574/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,210
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,752
−HK$550/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,425
+HK$1,123/mo
Deposit HK$2.66M · loan HK$3.98M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$669/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,894
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,579
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$641/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$861/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,762/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,315
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$825/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,637
+HK$1,684/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$198,911 · 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).