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$15,289
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,496/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,009
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$463/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,856/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$580/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$556/mo
Today · 4.125%
HK$21,514
baseline
▲ 0.50% · 4.625%
HK$22,648
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,028/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$676/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$647/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$870/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,779/mo
Deposit HK$671K · loan HK$6.03M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$833/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,701/mo
Deposit HK$671K · loan HK$6.03M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,153 · 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).