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$15,171
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$479/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$459/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$576/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$551/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,900
−HK$671/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,945
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,262
−HK$643/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$863/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,380
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$827/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,596 · 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).