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$15,218
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$461/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$577/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$553/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$674/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$645/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,393
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$866/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,771/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$829/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,693/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,220 · 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).