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$15,186
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$480/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$17,121
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,278/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,895
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$459/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$576/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,179/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,273
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$552/mo
Today · 4.125%
HK$21,369
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,738/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,261
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,922
−HK$672/mo
Today · 4.125%
HK$22,594
baseline
▲ 0.50% · 4.625%
HK$23,969
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,188/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,652
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,287
−HK$643/mo
Today · 4.125%
HK$24,930
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,860/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$864/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$827/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,690/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,797 · 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).