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$15,274
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$483/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,219
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,464/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,992
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$462/mo
Today · 4.125%
HK$17,910
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,820/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$579/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,663
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$555/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$675/mo
Today · 4.125%
HK$22,724
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,448/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$647/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$869/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,586
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$832/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,950 · 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).