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$15,240
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$481/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,390/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,954
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$461/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,740/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$578/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,345
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$554/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$674/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,380/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$646/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,319/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$867/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,773/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$830/mo
Today · 4.125%
HK$32,166
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,332/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,500 · 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).