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$15,240
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$482/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$462/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$578/mo
Today · 4.125%
HK$19,435
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,870/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,891
−HK$554/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,575
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$674/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$24,054
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$646/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$867/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,774/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$830/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,696/mo
Deposit HK$668K · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,508 · 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).