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$15,230
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,704
−HK$481/mo
Today · 4.125%
HK$16,185
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,370/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$461/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$578/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$553/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$674/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$645/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,414
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$866/mo
Today · 4.125%
HK$29,133
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,266/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,498
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$829/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,372 · 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).