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$15,178
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$480/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$460/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,780
−HK$576/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,262
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$551/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$672/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$644/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,320
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$863/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,394
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,209
−HK$827/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,724
+HK$1,688/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,688 · 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).