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$15,187
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$480/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$17,121
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,278/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,895
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$460/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$18,791
−HK$576/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,178/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$552/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,126/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$672/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$643/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$863/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,768/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,411
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$827/mo
Today · 4.125%
HK$32,054
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,690/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,108/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,804 · 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).