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$15,229
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$481/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,942
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$461/mo
Today · 4.125%
HK$17,857
baseline
▲ 0.50% · 4.625%
HK$18,799
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,714/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$578/mo
Today · 4.125%
HK$19,421
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,842/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,876
−HK$553/mo
Today · 4.125%
HK$21,429
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,858/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,984
−HK$673/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$645/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,318
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,265
−HK$866/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,904
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,496
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$829/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$33,838
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,358 · 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).