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$15,291
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$483/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$463/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,920
−HK$580/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$555/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,407
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$677/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$648/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$870/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,779/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$833/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,701/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,174 · 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).