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$15,232
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$482/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$461/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$578/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,606
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,879
−HK$554/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$673/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,723
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,359
−HK$646/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,323
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$866/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$830/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,394 · 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).