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$15,175
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$479/mo
Today · 4.125%
HK$16,127
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,254/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$460/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$576/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,259
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$552/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$671/mo
Today · 4.125%
HK$22,578
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,156/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,636
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$643/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$863/mo
Today · 4.125%
HK$29,029
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,766/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,058/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$826/mo
Today · 4.125%
HK$32,030
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,060/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,656 · 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).