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$15,173
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$480/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,250/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,333
−HK$459/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$576/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$551/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,243
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$671/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,948
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$643/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$863/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$827/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,628 · 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).