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$15,287
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,763
−HK$483/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,492/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$463/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,852/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$579/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$555/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,402
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$677/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$647/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$870/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$833/mo
Today · 4.125%
HK$32,267
baseline
▲ 0.50% · 4.625%
HK$33,968
+HK$1,701/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,534/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,129 · 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).