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$15,169
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$479/mo
Today · 4.125%
HK$16,120
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,240/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$459/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$575/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$550/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,470
+HK$1,126/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$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,237
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$671/mo
Today · 4.125%
HK$22,568
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,136/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,259
−HK$643/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,312/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$863/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,376
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$827/mo
Today · 4.125%
HK$32,017
baseline
▲ 0.50% · 4.625%
HK$33,704
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,034/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,570 · 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).