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$15,165
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$479/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$980/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,323
−HK$459/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$937/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$575/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,245
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$551/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$671/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$643/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,312/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,297
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$862/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$826/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,016/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,515 · 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).