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$15,254
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$482/mo
Today · 4.125%
HK$16,210
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$987/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,420/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,970
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$461/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$578/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$554/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,595
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,355
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,019
−HK$675/mo
Today · 4.125%
HK$22,694
baseline
▲ 0.50% · 4.625%
HK$24,075
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,388/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,757
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$646/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,361
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$867/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$831/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,684 · 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).