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$15,221
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$481/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$461/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$578/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,592
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,320
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$553/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,547
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,310
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$674/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,707
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$645/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,305
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$866/mo
Today · 4.125%
HK$29,116
baseline
▲ 0.50% · 4.625%
HK$30,888
+HK$1,772/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,232/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,480
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$830/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$33,820
+HK$1,693/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,255 · 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).