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$15,236
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$482/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,384/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$461/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$578/mo
Today · 4.125%
HK$19,430
baseline
▲ 0.50% · 4.625%
HK$20,612
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,860/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$553/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$675/mo
Today · 4.125%
HK$22,669
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,338/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$646/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$866/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,774/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$830/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,456 · 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).