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$950/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$479/mo
Today · 4.125%
HK$16,102
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,204/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,856
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$459/mo
Today · 4.125%
HK$17,767
baseline
▲ 0.50% · 4.625%
HK$18,704
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,534/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,182
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$575/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,175/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$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$551/mo
Today · 4.125%
HK$21,321
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,123/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$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$670/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,599
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$642/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$862/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,747
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,342
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$826/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,686/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,346 · 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).