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$15,228
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,702
−HK$481/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$461/mo
Today · 4.125%
HK$17,857
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$941/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$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$577/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,320
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$674/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$645/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$866/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$829/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,352 · 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).