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$15,180
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$479/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$982/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$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,887
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$459/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$939/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$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$576/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,265
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$551/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,912
−HK$672/mo
Today · 4.125%
HK$22,584
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,168/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$643/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,233
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$864/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,766/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$827/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,709 · 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).