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$15,176
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$480/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$460/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$576/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,260
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$552/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$671/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$643/mo
Today · 4.125%
HK$24,914
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,828/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$863/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,797
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$827/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,688/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,665 · 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).