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$15,231
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$481/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$461/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$578/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$553/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,986
−HK$674/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$645/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$867/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,772/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$830/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,383 · 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).