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$15,268
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$482/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,450/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,985
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$462/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$579/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,929
−HK$555/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,040
−HK$675/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$24,098
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,780
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,417
−HK$647/mo
Today · 4.125%
HK$25,064
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,128/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$869/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,777/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,394
−HK$832/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,698/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,871 · 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).