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$15,259
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$482/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$462/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,784/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$578/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$554/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$675/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,765
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$647/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$832/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,903
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,748 · 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).