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$15,262
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,737
−HK$483/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,206
+HK$986/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,440/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,979
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$462/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$578/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$554/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,367
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$675/mo
Today · 4.125%
HK$22,707
baseline
▲ 0.50% · 4.625%
HK$24,089
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,414/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,771
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$646/mo
Today · 4.125%
HK$25,055
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,110/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$868/mo
Today · 4.125%
HK$29,195
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,777/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,390/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$832/mo
Today · 4.125%
HK$32,214
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,428/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,800 · 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).