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$15,245
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$482/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$462/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$578/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$554/mo
Today · 4.125%
HK$21,451
baseline
▲ 0.50% · 4.625%
HK$22,582
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,902/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$675/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$646/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$867/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,774/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,346
−HK$830/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,696/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,565 · 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).