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$952/mo
▼ 0.25% · 3.875%
HK$15,660
−HK$480/mo
Today · 4.125%
HK$16,140
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,280/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$460/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,225
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$576/mo
Today · 4.125%
HK$19,368
baseline
▲ 0.50% · 4.625%
HK$20,547
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,736/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,276
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$552/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,263
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$672/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$644/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,188
−HK$864/mo
Today · 4.125%
HK$29,052
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,104/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,413
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$827/mo
Today · 4.125%
HK$32,056
baseline
▲ 0.50% · 4.625%
HK$33,746
+HK$1,690/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,112/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,818 · 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).