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$15,179
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$480/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,886
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$460/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$576/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,263
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,807
−HK$551/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$672/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$643/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$863/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,395
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$827/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,698 · 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).