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$15,239
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$481/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,388/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$461/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$578/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,343
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$554/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,573
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$674/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,380/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,734
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$645/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,319/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,430
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,283
−HK$867/mo
Today · 4.125%
HK$29,150
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,300/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,515
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,334
−HK$830/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,487 · 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).