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$15,173
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$479/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$460/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$937/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$575/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$551/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,242
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$671/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,631
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$643/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,221
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$863/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,383
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$827/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,620 · 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).