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$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$482/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/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$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,980
−HK$917/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$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$579/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,648
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,100/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$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,033
−HK$675/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$24,090
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$647/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,473
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$868/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$832/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,804 · 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).