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$15,148
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$479/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$458/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$574/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$550/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$671/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,908
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$642/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,266
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$862/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,739
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,333
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$826/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,289 · 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).