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$15,182
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$480/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$459/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,218
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$576/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,539
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$552/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,489
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$672/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$643/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$863/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$827/mo
Today · 4.125%
HK$32,044
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,088/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,742 · 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).