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$15,234
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$482/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$461/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,805
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$578/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,610
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$553/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$674/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,380/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$645/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,318/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,422
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$866/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$830/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,429 · 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).