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$15,265
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$483/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,982
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$462/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$554/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$676/mo
Today · 4.125%
HK$22,711
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,422/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$647/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$868/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,777/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$832/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,828 · 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).