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$15,252
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$482/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$462/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,827
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$579/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$554/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$675/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$24,072
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,391
−HK$646/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$867/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$831/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,656 · 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).