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$15,156
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$479/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$459/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$575/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,504
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,233
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$550/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$670/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$643/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,281
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$862/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,756
+HK$1,764/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,350
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,164
−HK$826/mo
Today · 4.125%
HK$31,990
baseline
▲ 0.50% · 4.625%
HK$33,676
+HK$1,686/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,980/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,400 · 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).