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$15,169
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$480/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$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,876
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$460/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$937/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$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$1,142/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$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,251
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$551/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,470
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,237
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$671/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$643/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,215
+HK$1,312/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$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,305
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,154
−HK$863/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$827/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,705
+HK$1,687/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$199,576 · 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).