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$15,165
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$479/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,323
−HK$459/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$937/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$576/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,244
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$551/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,891
−HK$671/mo
Today · 4.125%
HK$22,562
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,373/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,124/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,252
−HK$643/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,312/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$863/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$826/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,687/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,512 · 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).