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$15,218
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$481/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,344/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$460/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$578/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$552/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,305
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,968
−HK$673/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$645/mo
Today · 4.125%
HK$24,982
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,964/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$866/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,771/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$829/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,693/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,213 · 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).