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$15,221
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,694
−HK$481/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$461/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$577/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,181/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,319
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$553/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,546
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,309
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$673/mo
Today · 4.125%
HK$22,645
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,290/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$645/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,304
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$866/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,772/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$830/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,693/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,248 · 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).