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$15,167
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$479/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,326
−HK$459/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,570/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,201
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$575/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,791
−HK$551/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,234
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$671/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,939
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$643/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$863/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,187
−HK$826/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,547 · 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).