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$15,239
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$482/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,390/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$462/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,740/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$578/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$554/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$674/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,380/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$645/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,319/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$867/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,774/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$830/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,696/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,496 · 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).