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$15,185
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$479/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,274/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,893
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$459/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,222
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$576/mo
Today · 4.125%
HK$19,365
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,178/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,730/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$551/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,127/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$671/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$644/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$863/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,815
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$827/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$33,740
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,784 · 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).