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$15,281
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,757
−HK$483/mo
Today · 4.125%
HK$16,240
baseline
▲ 0.50% · 4.625%
HK$17,228
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,480/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,000
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$463/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$18,863
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$580/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$555/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$677/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$647/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,507
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$869/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$31,010
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,601
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$833/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,049 · 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).