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$15,276
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$483/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,468/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,994
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$462/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,331
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$579/mo
Today · 4.125%
HK$19,480
baseline
▲ 0.50% · 4.625%
HK$20,666
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,960/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,393
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$555/mo
Today · 4.125%
HK$21,495
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,990/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$676/mo
Today · 4.125%
HK$22,727
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,454/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$647/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$869/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,778/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$832/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,974 · 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).