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$15,259
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$483/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$986/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$462/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$579/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$554/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$675/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,765
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$646/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$831/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,751 · 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).