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$15,226
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$481/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$461/mo
Today · 4.125%
HK$17,854
baseline
▲ 0.50% · 4.625%
HK$18,795
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,708/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$577/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$553/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$673/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$24,032
+HK$1,379/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,350
−HK$646/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$867/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,898
+HK$1,772/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,490
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$829/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,694/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,321 · 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).