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$15,260
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$482/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,977
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$462/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,837
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$579/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$554/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,364
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$675/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$24,085
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,767
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$647/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$868/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$831/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,770 · 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).