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$15,168
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$479/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,238/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$459/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$575/mo
Today · 4.125%
HK$19,343
baseline
▲ 0.50% · 4.625%
HK$20,520
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,686/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$551/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$671/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$643/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,312/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$863/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$826/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,561 · 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).