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$15,225
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$481/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,164
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$461/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$577/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,325
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$553/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$674/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$645/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$866/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,772/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$829/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,301 · 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).