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$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$482/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,404/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,961
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$461/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,754/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,295
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$578/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,353
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$554/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$675/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$24,063
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,443
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$868/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,938
+HK$1,774/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,530
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$831/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,696/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,582 · 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).