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$15,242
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$481/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$461/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$578/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$554/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$674/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,739
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$646/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$867/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,775/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$830/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,696/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,527 · 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).