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$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,996
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$463/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$579/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$555/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$676/mo
Today · 4.125%
HK$22,730
baseline
▲ 0.50% · 4.625%
HK$24,113
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,460/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,795
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$648/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$833/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,003 · 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).