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$956/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$482/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,958
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$461/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$578/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,622
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$554/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$675/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$646/mo
Today · 4.125%
HK$25,024
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,048/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,438
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$868/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,933
+HK$1,774/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,343
−HK$831/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$33,870
+HK$1,696/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,548 · 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).