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$15,175
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$479/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,882
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$459/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$576/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$552/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,245
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,906
−HK$671/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,951
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$643/mo
Today · 4.125%
HK$24,911
baseline
▲ 0.50% · 4.625%
HK$26,225
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,822/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,164
−HK$864/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,387
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$827/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,647 · 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).