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$15,165
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$479/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$459/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$937/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$576/mo
Today · 4.125%
HK$19,340
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,680/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$551/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$671/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$643/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,312/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,297
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$862/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,774
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$826/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,521 · 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).