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$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$459/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$575/mo
Today · 4.125%
HK$19,341
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,682/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,247
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,790
−HK$551/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,233
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$671/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$642/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,211
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,300
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$863/mo
Today · 4.125%
HK$29,012
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,024/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$826/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,699
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,540 · 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).