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$15,241
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,715
−HK$481/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,182
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$461/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$578/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$553/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,001
−HK$674/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$645/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$867/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,774/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,519
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$831/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,695/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,512 · 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).