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$15,152
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,624
−HK$479/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,857
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$459/mo
Today · 4.125%
HK$17,768
baseline
▲ 0.50% · 4.625%
HK$18,704
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,536/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$575/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,646/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$550/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,642/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$671/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$642/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$862/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,748
+HK$1,763/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$826/mo
Today · 4.125%
HK$31,982
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,685/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$63,964/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,351 · 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).