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$15,249
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,724
−HK$482/mo
Today · 4.125%
HK$16,206
baseline
▲ 0.50% · 4.625%
HK$17,192
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,412/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,965
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,420
−HK$461/mo
Today · 4.125%
HK$17,881
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,762/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,299
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$578/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,358
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,904
−HK$554/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,349
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$675/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,751
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$646/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,449
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$867/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$830/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,628 · 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).