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$15,217
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$481/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,929
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$461/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$577/mo
Today · 4.125%
HK$19,406
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,812/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,860
−HK$552/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$673/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$645/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,391
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$866/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,880
+HK$1,771/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,472
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$829/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,693/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,204 · 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).