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$15,244
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$482/mo
Today · 4.125%
HK$16,200
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,400/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,959
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$461/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$578/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$553/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,131/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$674/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,380/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$646/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$867/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,526
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$831/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$200,560 · 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).