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$15,300
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$484/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,022
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$463/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,882/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$580/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,699
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,426
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$555/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,421
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$677/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,830
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$649/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$871/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,781/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,639
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$833/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,299 · 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).