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$15,280
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$483/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,998
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$463/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,336
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$579/mo
Today · 4.125%
HK$19,485
baseline
▲ 0.50% · 4.625%
HK$20,671
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,970/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,398
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$555/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,633
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,391
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,057
−HK$676/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,798
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$648/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$869/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,597
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$832/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,026 · 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).