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$15,257
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$482/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,974
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$462/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$578/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,369
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$554/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,025
−HK$675/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$646/mo
Today · 4.125%
HK$25,047
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,094/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$832/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,734 · 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).