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$15,657
−HK$480/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$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,893
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$460/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$938/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$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,222
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$575/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,543
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$552/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,493
+HK$1,126/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$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$672/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,374/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$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$644/mo
Today · 4.125%
HK$24,928
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,856/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,183
−HK$864/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,767/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$199,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$827/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$33,739
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,778 · 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).