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$15,299
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,775
−HK$483/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,020
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$463/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$18,885
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$580/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$556/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,418
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$676/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$648/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,439
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,394
−HK$871/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$31,045
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$834/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$33,993
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,278 · 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).