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$15,170
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$479/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,242/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$459/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,204
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$575/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,252
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$551/mo
Today · 4.125%
HK$21,346
baseline
▲ 0.50% · 4.625%
HK$22,471
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,692/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,238
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$672/mo
Today · 4.125%
HK$22,570
baseline
▲ 0.50% · 4.625%
HK$23,943
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,140/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,627
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$643/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,216
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,306
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,155
−HK$863/mo
Today · 4.125%
HK$29,018
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,036/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$826/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,581 · 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).