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$15,164
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$479/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$980/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$459/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$937/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$575/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$551/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$671/mo
Today · 4.125%
HK$22,561
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,372/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,122/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$642/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$863/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$826/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,502 · 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).