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$15,265
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,740
−HK$483/mo
Today · 4.125%
HK$16,223
baseline
▲ 0.50% · 4.625%
HK$17,210
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,446/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,983
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,438
−HK$462/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,319
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$579/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,379
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,926
−HK$554/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,612
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$676/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$24,094
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,776
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,413
−HK$647/mo
Today · 4.125%
HK$25,060
baseline
▲ 0.50% · 4.625%
HK$26,381
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,120/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$868/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,777/mo
Deposit HK$669K · loan HK$6.03M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$831/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,699/mo
Deposit HK$669K · loan HK$6.03M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,839 · 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).