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$15,263
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$483/mo
Today · 4.125%
HK$16,221
baseline
▲ 0.50% · 4.625%
HK$17,208
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,442/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,436
−HK$462/mo
Today · 4.125%
HK$17,898
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,796/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$579/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$554/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,369
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$675/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$24,091
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,773
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$647/mo
Today · 4.125%
HK$25,057
baseline
▲ 0.50% · 4.625%
HK$26,378
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,114/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$868/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,777/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,565
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,385
−HK$831/mo
Today · 4.125%
HK$32,216
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,432/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,813 · 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).