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$15,252
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,968
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$462/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$579/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$554/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,353
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$675/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,755
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$647/mo
Today · 4.125%
HK$25,039
baseline
▲ 0.50% · 4.625%
HK$26,359
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,078/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,454
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$868/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$831/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,666 · 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).