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$15,226
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$482/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$461/mo
Today · 4.125%
HK$17,854
baseline
▲ 0.50% · 4.625%
HK$18,795
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,708/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$578/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$553/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$674/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$645/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$866/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,772/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$830/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,317 · 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).