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$15,251
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$482/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$462/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$579/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$554/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$675/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,753
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$646/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$868/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$831/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,646 · 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).