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$15,233
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$482/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$461/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$577/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$553/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$674/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,726
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,362
−HK$646/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,420
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,273
−HK$867/mo
Today · 4.125%
HK$29,140
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,280/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,505
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$830/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,417 · 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).