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$15,227
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$481/mo
Today · 4.125%
HK$16,182
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,364/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$578/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$553/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$673/mo
Today · 4.125%
HK$22,655
baseline
▲ 0.50% · 4.625%
HK$24,034
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,310/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$645/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$866/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,901
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,493
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$829/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$33,834
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,339 · 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).