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$15,188
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$480/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,897
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,350
−HK$460/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$576/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,276
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$552/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$672/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$644/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$864/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$828/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,825 · 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).