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$15,247
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$482/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$461/mo
Today · 4.125%
HK$17,879
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,758/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$578/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$554/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$675/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$646/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$867/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,941
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,533
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$830/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,602 · 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).