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$15,151
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$479/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,307
−HK$459/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,181
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$574/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$550/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,443
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$671/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$642/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$862/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$826/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,333 · 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).