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$15,219
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$481/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$460/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,787
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$578/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,318
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,863
−HK$553/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,307
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$673/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$24,021
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$645/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$866/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,771/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$829/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,694/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,234 · 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).