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$15,225
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$481/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$461/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$577/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$553/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$673/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$646/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,406
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$866/mo
Today · 4.125%
HK$29,124
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,248/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$830/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,313 · 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).