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$15,128
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$978/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$457/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,154
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$573/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,174/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$549/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,122/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$669/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,369/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,562
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$641/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,309/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$861/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,761/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$824/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,683/mo
Deposit HK$663K · loan HK$5.97M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,452 · 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).