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$15,234
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$481/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$461/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$578/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$554/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$674/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$24,044
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$645/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,319/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$867/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,324
−HK$830/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,424 · 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).