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$15,285
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$483/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,232
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,488/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,005
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$462/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,846/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,342
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,913
−HK$580/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$555/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$676/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$648/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$870/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,608
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$833/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,701/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,099 · 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).