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$15,249
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,723
−HK$482/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$461/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$579/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$553/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$675/mo
Today · 4.125%
HK$22,687
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,374/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$647/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$868/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,774/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$831/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,696/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,617 · 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).