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$15,235
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$482/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,382/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,949
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$461/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,730/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$578/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,339
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$553/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,568
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$674/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$646/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$867/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,917
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,509
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,327
−HK$830/mo
Today · 4.125%
HK$32,157
baseline
▲ 0.50% · 4.625%
HK$33,852
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,314/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,444 · 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).