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$15,243
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$481/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,184
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$461/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$578/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,894
−HK$554/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,579
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,340
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$675/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$24,058
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,740
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$646/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$867/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,774/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,523
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,342
−HK$830/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,696/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,539 · 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).