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$15,181
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$480/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$460/mo
Today · 4.125%
HK$17,801
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,602/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$575/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,266
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$551/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$672/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$643/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$864/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$827/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,731
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,725 · 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).