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$15,293
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$483/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,241
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,504/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,013
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$462/mo
Today · 4.125%
HK$17,932
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,864/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$580/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,689
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,416
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$556/mo
Today · 4.125%
HK$21,519
baseline
▲ 0.50% · 4.625%
HK$22,653
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,038/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$677/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$648/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$870/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$833/mo
Today · 4.125%
HK$32,278
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,556/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,201 · 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).