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$15,277
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$483/mo
Today · 4.125%
HK$16,235
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,470/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,995
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$462/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,826/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$580/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$555/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$675/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$24,111
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,793
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$648/mo
Today · 4.125%
HK$25,079
baseline
▲ 0.50% · 4.625%
HK$26,401
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,158/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,353
−HK$869/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$832/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,986 · 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).