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$15,177
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$480/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$460/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$576/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$551/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,482
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,248
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,909
−HK$672/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$644/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,229
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,319
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$863/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,799
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,392
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$827/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,680 · 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).