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$15,163
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$479/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,869
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$459/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,717
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$575/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,242
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$551/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,228
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,888
−HK$671/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,373/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$643/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$863/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,363
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$826/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,691
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,490 · 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).