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$15,233
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$481/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$461/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$578/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,881
−HK$553/mo
Today · 4.125%
HK$21,434
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,868/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$674/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$646/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$866/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$830/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,410 · 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).