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$15,290
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$483/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,011
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$463/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$580/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$555/mo
Today · 4.125%
HK$21,515
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,030/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,407
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$676/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$648/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$870/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$833/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,701/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,169 · 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).