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$15,215
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,688
−HK$481/mo
Today · 4.125%
HK$16,169
baseline
▲ 0.50% · 4.625%
HK$17,153
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,338/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,927
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,381
−HK$460/mo
Today · 4.125%
HK$17,841
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,682/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$577/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,312
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$552/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,301
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,964
−HK$673/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$24,014
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$645/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$866/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,876
+HK$1,771/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$829/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,693/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,177 · 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).