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$15,267
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,741
−HK$483/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,211
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,984
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$462/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$579/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$555/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$675/mo
Today · 4.125%
HK$22,713
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,426/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,777
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,415
−HK$647/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,383
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$868/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,777/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$832/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,698/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,854 · 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).