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$15,257
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$482/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,426/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$462/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,833
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,780/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$579/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$554/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,359
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,399
−HK$647/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$868/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,370
−HK$832/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,722 · 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).