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$15,267
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,742
−HK$482/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,984
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$462/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$579/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$555/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$675/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$647/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$868/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,777/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$832/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,698/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,860 · 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).