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$15,184
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,657
−HK$479/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,272/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,892
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$460/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$576/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,178/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,271
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$552/mo
Today · 4.125%
HK$21,366
baseline
▲ 0.50% · 4.625%
HK$22,492
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,732/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,258
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,919
−HK$672/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$644/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$863/mo
Today · 4.125%
HK$29,045
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,090/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$827/mo
Today · 4.125%
HK$32,049
baseline
▲ 0.50% · 4.625%
HK$33,738
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,098/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,770 · 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).