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$15,247
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,721
−HK$482/mo
Today · 4.125%
HK$16,203
baseline
▲ 0.50% · 4.625%
HK$17,189
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,406/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,962
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$461/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,821
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$578/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$554/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,009
−HK$675/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,747
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$646/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,444
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$867/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,350
−HK$831/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,696/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,592 · 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).