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$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$942/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$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$578/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,181/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$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$554/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,129/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$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$674/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,282/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$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$866/mo
Today · 4.125%
HK$29,129
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,258/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,312
−HK$829/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,347 · 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).